Commercial Vehicle Insurance
Competitive Business Vehicle Insurance Backed By 'Exceptional' Service
Want to save money on your commercial vehicle insurance? Let the business vehicle insurance specialists at Coversure Hull compare our markets to find you the commercial vehicle insurance that’s right for your business. Whether you need business car, truck or commercial van insurance, call us today on 0800 977 6037 and let our award-winning team help you
Commercial vehicle insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial vehicle insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your commercial vehicle insurance quote today.
What is commercial vehicle insurance?
Commercial vehicle insurance – or business vehicle insurance as it’s also known - is an adaptable policy that can give business owners, tradespeople, taxi drivers and van couriers the protection they need. Business vehicle insurance through Coversure Hull is available to all sorts of businesses and can cover a wide range of vehicles, including:
- Taxis
- Vans
- Trucks, HGVs and lorries
- Minibuses
- Diggers
- Plant and construction vehicles
Who needs commercial vehicle insurance?
Commercial vehicle insurance is designed to offer protection for anyone who drives their vehicle for work or paid work, such as:
- Tradespeople who use their vans to get to jobs and to carry their tools and supplies
- Van owners who do occasional paid work with their vehicle. If you do paid work of any kind – even if it’s only occasionally - your standard motor policy will not cover you and you’ll need commercial vehicle insurance
- Delivery van drivers – who deliver their goods, or deliver supplies, so a florist or a builders merchant, for example
- Couriers – including car couriers and so-called lifestyle couriers
- Hauliers – though if you’re driving a vehicle of over 3.5 tonnes, you’ll almost certainly need truck insurance
- Drivers who carry paying passengers – so taxi, minibus, or coach drivers
- Agricultural and forestry vehicle users – such as tractors, combine harvesters, threshing and baling machines
- Plant and construction vehicles owners – this is a wide-ranging group that includes everything from cherry pickers, mobile cranes, mobile shops, steamrollers, and fork-lift trucks
What can commercial vehicle insurance cover?
As well as giving you the basic cover you need to drive your business vehicle on the road legally, commercial vehicle insurance from Coversure Hull can offer you a range of other insurance protections:
- Vehicle protection - this is the main cover, and it will make it road-legal. In this respect, commercial vehicle insurance works much like your standard motor policy. Depending on the level of cover you take out – third-party, third-party fire and theft, or fully comprehensive – you’ll be insured against your vehicle being written off, damaged, or stolen. With commercial vehicle insurance you’ll also be insured when you’re travelling to and from multiple places of work, cover standard car or van insurance won’t give you
- Public liability insurance - covers you should a member of the public injure themselves or if their property is damaged while you are working. It can cover the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered
- Passenger insurance – you may have to carry passengers in your vehicle – a colleague, employee, or, in the case of taxis, customers. Some commercial motor policies won’t cover you for carrying passengers, so if you regularly provide lifts to colleagues or customers, then you’ll need to add passenger cover to ensure that your policy will still protect you in the event of a problem
- Tools insurance – vital if you’re a tradesman, but it also applies to anyone moving the tools of their trade. Whether you have power tools, hairdressing kit, cleaning equipment, chainsaws, or ladders on board, they’ll be covered against accidental damage, loss, or theft. As these are the tools of your trade and you may be unable to work without them, this is an option you’ll want to have in place
- Breakdown and recovery insurance – if you have breakdown and recovery cover as part of your cover you can get back to work and back to earning a living more quickly
- Uninsured loss recovery insurance - with Coversure Hull, every commercial vehicle policy comes with uninsured loss recovery cover as standard. This great feature means that if you’re unlucky enough to be in a non-fault accident with an uninsured driver, you’ll be insured against losses. The cover doesn’t just protect you for your vehicle repair costs but also for loss of earnings, excesses, and other out-of-pocket expenses. With over 1 million uninsured drivers on the UK’s roads, this could save you from potentially footing a hefty bill through no fault of your own
- Legal assistance insurance - covers your legal expenses should you need to claim for uninsured losses following an accident that wasn’t your fault. If you’re prosecuted for an event related to using/owing your vehicle, it will cover your legal fees and give you access to professional legal advice
- Personal accident insurance - will protect you should someone be involved in an accident at work. It will pay out in the event of death, bodily injury, or disablement. The compensation provided can also pay for temporary staff or cover the overtime cost for other team members
How much does commercial vehicle insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your commercial vehicle insurance quote will depend on things like:
- What kind they are
- The nature of your business
- Who will be driving your vehicles
- The level of cover you want – third-party, third-party fire, and theft, or fully comprehensive
- Your claims history
- The age of your drivers
- Whether you want a named or any driver policy
- Your level of no claims bonus
- Whether you want to pay monthly or annually – annually will usually prove cheaper
- Your postcode
- Whether you want policy extensions such as public liability or tools insurance
If you’d like to know how much a commercial vehicle policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your business vehicle insurance quote today.
How can you get cheaper commercial vehicle insurance?
This is a question we get asked a lot, and the good news is there are several easy ways to potentially get cheaper commercial vehicle insurance quotes, including:
- Complete a risk assessment with your broker and see where you can save money
- If you need to cover young drivers, limit the risks by only allowing them to drive when accompanied by a more experienced driver or in daylight
- Renewing your policy early so giving your broker time to shop around for you
- Get a higher level of excess
- Build up your no-claims bonus
- Secure your vehicles by adding extra security kit and parking them somewhere safe overnight and at weekends
- Use technology such as vehicle trackers, dashcams, and telematics systems
- Train your drivers – a recent Department of Transport report on driver training suggested if drivers had better hazard perception training, it could lead to an 11% reduction in collisions, and fewer collisions can mean fewer claims and lower insurance premiums
To get the business vehicle insurance that’s right for your business, please call us free on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you a great commercial vehicle insurance quote.
Business vehicle insurance FAQ
Business vehicle insurance is a complex area of insurance and it’s important to get it right. To help you get the cover that’s right for you, here are our commercial vehicle insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is commercial vehicle insurance a legal requirement?
A. Yes, your vehicles will need to be insured to be road legal
Q. Is commercial vehicle insurance just for vans?
A. No, it can cover everything from cars, vans, and trucks to taxis
Q. Can I use my existing no-claims bonus on my policy?
A. Yes, if the no-claims bonus was earned in the UK
Q. Can you insure electric vehicles?
A. Yes, we can insure electric vans and other electric commercial vehicles
Q. Who can get commercial vehicle insurance?
A. If you use your vehicle for paid work or as part of your business, then you can get commercial vehicle insurance
Q. Are there any policy exclusions?
A. Yes, and while these will be detailed in your policy, typical ones include theft if the keys are left in the vehicle, deliberate acts of negligence or recklessness, and wear and tear
Q. How can I get a commercial vehicle insurance quote?
A. Getting a quote from us is easy. You can call us on 0800 977 6037 or get your commercial insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get a commercial vehicle insurance quote
If you'd like some insurance help or a business vehicle insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
