Commercial Vehicle
Standard Cover
For terms and conditions please see the policy document.
For examples of exclusions and limitations please click here.
Our commercial vehicle policy is designed to cover your vehicles and the legal liabilities arising from them. It is designed for vans up to 3.5 tons gross vehicle weight. You can choose from three types of cover: Third Party Only, Third Party, Fire & Theft or Comprehensive, which are summarised below:
Third Party only
- Legal Liability to Third Parties - provides cover for the sums detailed below which you become legally liable to pay resulting from any accident involving your vehicle, or whilst loading or unloading your vehicle:
a) £20,000,000 where the insured vehicle is a car or a car with trailer/ caravan attached.
b) £5,000,000 for any other insured vehicle. - 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.
Third Party, Fire and Theft
In addition to the cover provided above, you are also covered for:
- Cover against loss or damage to your vehicle by Fire or Theft
- Cover for loss or damage to audio, communication, navigational or in-car entertainment equipment up to £500, unless it is standard equipment for the insured vehicle when built, when the loss comes as a result of fire and theft.
Comprehensive
In addition to the cover provided above, you are also covered for:
- Cover for loss or damage to audio, communication, navigational or in-car entertainment equipment up to £750, unless it is standard equipment for the insured vehicle when built.
- 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 for claims arising out of any one cause
- Personal belongings - personal effects in your vehicle are covered up to a total of £100 for any one claim.
Automatic Extensions of Cover
Our commercial van insurance policy covers the following for either Comprehensive or Third Party, Fire and Theft
- Free Courtesy Vehicle - (subject to availability and terms & conditions) when you use one of our Approved Repairers following an insured incident. N.B. A courtesy vehicle will not be provided where your van is either stolen (and unrecovered) or written off.
- Foreign Use - provided notice of an intended foreign visit has been given to us, your policy will apply whilst your vehicle is being used temporarily in the EU and certain other non EU countries.
Optional Benefit
- Protecting your No Claims Discount - Protected NCD can be purchased at 1 years entitlement upwards and remains in force according to the current applicable scale – see policy for full details.