Competitive Commercial Vehicle Insurance


Want to save money on your commercial vehicle insurance? Whether you need cover for your van, truck, taxi, or road-going plant, call us today on 01482 434343 or request a callback and let our award-winning team help you get cheaper commercial motor insurance.
Commercial Vehicle Insurance Backed By ‘Exceptional’ Service
Want to save money on your commercial vehicle insurance? Let the business vehicle insurance specialists at Coversure compare our markets to find you the business vehicle insurance that’s right for you. Whether you need cover for your van, truck, taxi, or road-going plant, call us today on 01482 434343 or request a callback and let our award-winning team help you get cheaper commercial motor insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Commercial Vehicle Insurance?
Our award-winning 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. We’ll get to know your requirements before comparing the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or get your commercial motor insurance quote today.


Why choose Coversure for your Commercial Vehicle Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of commercial motor insurance experience, you can rest assured you’re in safe hands. Being independent,t we can put your needs first. We’ll get to know your requirements before comparing the market to find you great fleet cover for a great value premium. To find out more, call us free on 01482 434343, request a callback or get your commercial vehicle insurance quote today.

What is Commercial Vehicle Insurance?
Commercial vehicle insurance – or business vehicle insurance as it’s also known – gives business vehicle owners such as tradespeople, taxi drivers and van couriers the protection they need to use their vehicles as part of their day-to-day business. Commercial vehicle insurance through Coversure can cover all sorts of vehicles, including:
Cars, Vans and Taxis
HGVs and Trucks
Owned and Hired-In Plant
Commercial Vehicle Fleets
Who needs Commercial Vehicle Insurance?
Commercial motor insurance allows business vehicle owners to use their vehicle for work, be that carrying their own goods or people, or other people and other people’s goods, so called ‘hire and reward’ work. This means it is suitable for:
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 builder’s 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 forklift trucks
Businesses with two or more commercial vehicles can get fleet insurance
Chauffeurs and people who drive an MPV for money

Who needs Commercial Vehicle Insurance?
Commercial motor insurance allows business vehicle owners to use their vehicle for work, be that carrying their own goods or people, or other people and other people’s goods, so-called ‘hire and reward’ work. This means it is suitable for:
Tradespeople using vans to get to jobs and carry tools and supplies
Van owners who do occasional paid work with their vehicle
Delivery van drivers
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
Plant and construction vehicle owners
Chauffeurs and people who drive an MPV for money
Call us today on 01482 434343 and let our award-winning team help you.
What does Commercial Vehicle Insurance cover?
Commercial vehicle insurance from Coversure can offer you a range of covers, including:
Vehicle Protection
Offers financial protection in the event of an accident, loss, or theft depending on your level of cover. 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
Uninsured loss recovery insurance
if you’re in a non-fault accident with an uninsured driver, you’ll be insured against losses including 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
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
Breakdown and recovery insurance
If you have breakdown and recovery cover as part of your policy you can get back to work and back to earning a living more quickly
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
Tools insurance
This us 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
Legal assistance insurance
This 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
Goods in transit insurance
If you’re carrying your own goods or other people’s, then goods in transit insurance will insure them against loss, theft, or damage
How much does
Commercial Vehicle Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions. Instead, we’ll get to know your business vehicle insurance needs and create a package of cover that fits your requirements. If you’d like to know more, please call us on 01482 434343, request a callback or start your commercial vehicle insurance quote here.
What kind of vehicles you have
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 and the age of your drivers
What they are being used for – high mileage vehicles like vans for courier fleets can be more expensive
Whether you want a named or any driver policy
How much no-claims bonus you’ve earned
Whether you want to pay monthly or annually – annually will usually prove cheaper
The mileage you do
Your postcode
Whether you want policy extensions such as public liability or tools insurance
The level of excess you’re happy to accept
How to 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, including:
Using an independent, specialist commercial vehicle insurance broker like Coversure that can not only do the shopping around for you but can access policies that aren’t available to the public
Shop around
Completing 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
Geting a higher level of excess
Building up your no-claims bonus
Securing your vehicles by adding extra security kit and parking them somewhere safe overnight and at weekends
Using technology such as vehicle trackers, dashcams, and telematics systems
At Coversure, 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 such as…
What types of Commercial Vehicle Insurance are there?
Like your car insurance, you can choose from three levels of fleet insurance cover:
Third-party
The minimum legal requirement to drive your vehicles on the road. If an accident is your fault it will pay for the repairs to a third-party’s vehicle
Third party fire and theft
In the event of an accident that is your fault, it will pay for the repairs to a third party’s vehicle or if one or more of your vehicles is damaged accidentally or destroyed by fire or stolen
Fully comprehensive
Provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your vehicle will be covered as well as those of a third-party
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Frequently Asked Questions
Frequently Asked Questions
We get asked a lot of questions about commercial vehicle insurance, so to make getting the cover you need easier, here are our commercial vehicle insurance frequently asked questions and answers. We’ve covered the most important issues here, but if you’d like some independent advice, then please call us free on 01482 434343 or request a callback. Our team of business vehicle insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for your fleet.
Yes, your vehicles will need to be insured to be road legal
No, it can cover everything from cars, vans, and trucks to taxis
Because standard motor insurance won’t cover you against the risks you face if you’re using your vehicles for work purposes. Carrying passengers, your own goods, or other people’s goods increases the level of risk and so you’ll need specialist protection
Yes, if the no-claims bonus was earned in the UK
That will depend on things like the number of vehicles you have, the type of work you are doing, the value of your vehicle, your postcode, where they are stored at night and the ages of the people who will be driving them. To find out more or to get a commercial vehicle insurance quote, please call us on 01482 434343 or request a callback
If you use your vehicle for paid work or as part of your business, then you can get commercial vehicle insurance
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
Just contact us on 01482 434343 and one of our experienced advisors will be able to provide you with a quote
Yes, your vehicles will need to be insured to be road legal
No, it can cover everything from cars, vans, and trucks to taxis
Standard motor insurance won’t cover you against the risks you face if you’re using your vehicles for work purposes. Carrying passengers, your own goods, or other people’s goods increases the level of risk and so you’ll need specialist protection
Yes, if the no-claims bonus was earned in the UK
If you use your vehicle for paid work or as part of your business, then you can get commercial vehicle insurance
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
Just contact us on 01482 434343 and one of our experienced advisors will be able to provide you with a quote