Here at Birnbeck Insurance, we have been providing commercial vehicle insurance to our clients for many years and have developed a panel of leading insurers so that we can offer you suitable policies for a broad range of occupations at competitive prices. To provide an accurate quote, you will need to supply a few details such as your van registration number, driver details, annual mileage, and intended business use.
Commercial vehicle insurance is essential for any business that relies on vehicles for its daily operations. Unlike standard car insurance, commercial vehicle insurance policies are specifically designed to protect vehicles used for business purposes, whether you operate a single van or a fleet of trucks.
This type of vehicle insurance provides financial protection against a range of risks, such as accidents, theft, and damage, helping to keep your business running smoothly even when the unexpected happens.
As an independent broker we are able to approach multiple insurers to get the policies with the most suitable cover at the most competitive price for your business.
We offer a wide range of commercial motor insurance policies including:
- Truck Insurance
- Haulage Insurance
- Van Insurance
- Goods In Transit Insurance
- Agricultural Motor Insurance
- Special Types Motor Insurance
- Specialist Commercial Vehicle Insurance for catering vehicles, mobile bars, ice cream vans and the like.
- Commercial vehicle cover tailored to different business uses, including fleet policies and high-risk trades.
Plus many more…
Get in touch or call on 01934 522 252 and see how we can help you and make insurance that little bit easier. Request commercial vehicle insurance quotes today – providing a few details will help us match you with the right commercial vehicle cover for your needs.
What Is Commercial Vehicle Insurance?
Commercial vehicle insurance is a specialised insurance policy designed specifically for vehicles used for business purposes. Unlike standard personal car insurance, these policies cover the unique risks faced by businesses, such as transporting goods, frequent driving in unfamiliar locations, or carrying valuable equipment.
Whether you use vans for deliveries, trucks for haulage, or agricultural machinery for farm work, commercial vehicle insurance ensures your vehicles, drivers, and your business finances are protected in the event of accidents, theft, fire, or damage.
Having the right commercial vehicle insurance cover is not just a smart business decision – it’s a legal requirement for businesses that use vehicles for work. The right insurance policies can safeguard your business from costly disruptions, ensuring you meet your legal obligations while protecting your assets.
Types of Commercial Vehicle Insurance
When it comes to protecting your business vehicles, there are several commercial vehicle insurance policies to choose from, each tailored to different needs and levels of risk:
Comprehensive Cover
The most extensive option, comprehensive insurance protects your vehicles against accidental damage, theft, fire, vandalism, and third-party claims. This means your business is fully covered whether you cause damage, suffer theft, or face liability claims.
Third Party, Fire & Theft
This mid-level cover protects you against liability to others as well as loss or damage caused by fire or theft. However, it does not cover accidental damage to your own vehicle.
Third Party Only
The minimum cover required by law, this protects you if you cause injury or property damage to others but offers no cover for damage to your own vehicle.
Here at Birnbeck Insurance, we work with you to find the right commercial vehicle insurance for your needs, so you’re protected from the unexpected.
Choosing the Right Cover
Selecting the right commercial vehicle insurance is essential to protect your business and control costs. Keep the following in mind:
- Vehicle type and usage: Consider whether you’re insuring a van, truck, or fleet. Think about how each vehicle is used in your daily business operations.
- Level of cover required: Your choice between comprehensive, third party, or third party fire & theft will depend on the value of your vehicles, the nature of your work, and your risk exposure.
- Driving history and number of drivers: Your business’s claims record and the number of drivers can impact both eligibility and premium costs.
- Accurate driver details: Always provide up-to-date, honest information about your drivers to avoid claim issues and ensure appropriate cover.
- Optional extras: Consider adding useful extras such as:
- Breakdown cover
- Legal expenses cover
- Courtesy or replacement vehicle cover
Here at Birnbeck Insurance, we can provide quotes from reputable providers to compare levels of cover, exclusions, and pricing, so you can weigh up your options clearly. If you’re still unsure, speak to one of our commercial insurance specialists who can help tailor cover to your business needs.
Other Insurance To Consider
While commercial vehicle insurance protects your business vehicles on the road, there are a few other business insurance types that can help safeguard your business:
Public and Employers’ Liability Insurance
This insurance covers compensation claims made by employees or members of the public who suffer injury or property damage as a result of your business activities. It’s especially important if you have staff, interact with customers, or operate in public spaces.
Public and Employers’ Liability Insurance
Commercial Property Insurance
Protecting your premises, equipment, and inventory is crucial. Commercial property insurance covers damage from fire, theft, flooding, and other unexpected events that could disrupt your operations and lead to financial loss.
Tradesman Insurance
Ideal for self-employed tradespeople or contractors, this type of insurance typically combines liability cover with protection for tools, equipment, and sometimes even short-term income loss due to accidents or unforeseen events.
Dedicated Commercial Vehicle Insurance From Birnbeck Insurance
Protect your business with tailored commercial vehicle insurance from Birnbeck Insurance. Our experienced team is here to help you find the right cover that fits your unique business needs, whether you operate a single vehicle or a large fleet.
Call us today on 01934 522 252 or complete our online enquiry form to receive a free, no-obligation quote. With Birnbeck Insurance, you can trust us to make the insurance process straightforward, affordable, and reliable, so you can focus on driving your business forward with confidence.
Commercial Vehicle Insurance FAQs
Can I use my personal vehicle insurance for business use?
Generally, no. Personal car insurance excludes business use, such as using your personal vehicle as a taxi or to carry parcels out for delivery. You should have commercial vehicle insurance for any vehicle used for work.
What happens if my vehicle is used for both personal and business use?
You must inform your insurer about all uses. Some insurers offer combined policies, but declaring the correct usage is essential to avoid claims being denied.
Is commercial vehicle insurance just for vans?
No, commercial vehicle insurance covers a wide range of vehicles, such as cars, trucks, and even plant equipment such as forklifts. If you use your vehicle for commercial or business purposes, we can help to insure you.
How much does commercial vehicle insurance cost?
The cost of commercial vehicle insurance varies based on multiple factors, such as the type and value of the vehicle, the coverage level needed, and other factors such as the driver history and annual mileage. For a bespoke quote, get in touch with Birnbeck Insurance today – we’re here to help you explore options and find the best value.
What doesn’t commercial vehicle insurance cover?
Commercial vehicle insurance may have several exclusions that are detailed in your policy. These typically include deliberate acts of negligence, criminal acts, and standard wear and tear.
