commercial vehicle insurance

Standard cover

Please refer to the policy document for terms and conditions.

For relevant exclusions and limitations please click here

Our commercial van policy is designed to cover your vehicles and the legal liabilities arising from them. It is designed for business vehicles (which may also be used for non-business purposes) including vans up to 3.5 tonnes gross vehicle weight. You can choose from two types of cover, third party, fire and theft, or comprehensive which are summarised below:

Third Party, Fire and Theft

• Cover against loss or damage to your vehicle by fire or theft
• Legal liability to third parties
• Our policy provides cover for claims made against you by other parties including accidental death or bodily injury for an unlimited sum and accidental damage to property subject to certain limits.
• Cover for loss or damage to in-vehicle entertainment equipment up to £500 or 10% of the market value of your vehicle, whichever is less, when the loss comes as a result of fire or theft

Comprehensive

In addition to the cover provided above, you are also covered for:

• Accidental loss or damage to your vehicle (including in-vehicle entertainment)
• Cover against breakage of glass in vehicle’s windscreen or other windows without affecting your No Claims Discount
• Medical expenses. We will pay for necessary medical treatment after an accident up to £100 for each person, with a maximum of £500 in total
• Personal belongings. Personal effects in your vehicle are covered up to a total of £50 for any one claim subject to the vehicle being locked when unattended

Automatic Extensions of Cover

Our commercial van insurance policy covers the following for either Comprehensive or Third Party, Fire and Theft

• Replacement vehicle - free courtesy car (subject to availability and terms & conditions) when you use one of our Approved Repairers following an insured incident. N.B. A courtesy car will not be provided where your vehicle is either stolen (and unrecovered) or written off
• Foreign Use - we provide automatic extension of cover for up to 90 days in the temporary use in the EC and certain other non-EC countries