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What is Commercial Vehicle Insurance?

Commercial vehicle insurance is the term that is used to describe all of the different types of insurance required to cover different vehicles driven as part of any business. If your business involves deliveries of any kind, moving products to different places, requires your staff to carry passengers in your vehicles, or driving customers and staff, you will require commercial vehicle insurance cover.

The type of policy you require will depend on what your vehicles are used for, but cover is available in three levels which are third-party only, third-party, fire and theft, or comprehensive. Commercial vehicle insurance protects the people who drive the vehicle as well as those who come in contact with it such as passengers or members of the public.

Do I Need Insurance For A Commercial Vehicle?

It is a legal requirement to have commercial insurance for any vehicles driven on the public highway. If this type of policy isn’t in place and commercial vehicles are driven, the person behind the wheel is classed as an uninsured driver.

The penalties for uninsured driving are significant.

So, if a vehicle is owned by a business and driven as part of it, there needs to be an appropriate commercial vehicle insurance policy in place, no matter how infrequently it is used.

If you require your employees to drive their own vehicle as part of your business, you must ensure that firstly, they have insurance to drive the vehicle, and secondly, that it covers them to drive as part of their work.

Get In Touch For To Find Out More

Whatever type of commercial vehicles you have as part of your business, it’s important to have the right level of insurance cover so that everyone is protected if something goes wrong.

Todd and Cue is one of the UK’s leading independent insurance brokers and are expert in providing commercial vehicle cover that is tailored to the needs of your business. We work hard to find the right business vehicle insurance policy that provides you with the right level of cover.

To find out how we can help you find the best price and cover for your business, get in touch with our team who will guide you through the different options and help you find the right commercial vehicle insurance for your business.

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