If your business depends on a single work vehicle, whether it’s a van, pickup, or something more specialist, then commercial vehicle insurance gives you the protection you need to keep working safely and legally.
Unlike private car insurance, commercial vehicle cover is designed specifically for vehicles used for business purposes. Whether you’re delivering goods, carrying tools, or visiting clients, this policy helps protect your business in case of accidents, theft or breakdown.
Commercial Vehicle Insurance is suitable for:
Vehicle breakdown, motor legal, and hauliers’ liability cover can also be added, offering greater protection across your business.
Policies can be tailored to your business and might include:
In the event of a non-fault incident, this provides cover for uninsured loss recovery (e.g., loss of earnings, policy excess, vehicle hire), personal Injury claims for both drivers and passengers, legal protection for your own defence against motoring prosecutions & contractual disputes relating to the sale or purchase of a motor vehicle.
Provides cover for vehicle breakdown, nationwide recovery and homestart including misfuelling cover and lost damaged keys for For Cars & Vans up to 3.5t and HGV’s up to 44t including.
If a vehicle is ‘written off’, Motor insurance only covers to its value at the point it is declared a total loss. This can be substantially less than outstanding finance commitments and the price you paid for your vehicle. GAP Insurance can cover outstanding finance payments and the value of the vehicle when you bought it. Cover can be provided for single vehicles and fleets (including trucks).
Provides cover for Cover for damage -in the event that tools are damaged whilst being loaded onto, housed upon or unloaded from the vehicle, cover for Theft -you may be covered in the event of your tools being stolen, even when your vehicle is unattended and overnight.
At The Yorkshire Broker we understand that cost is important to your business, but it is crucial to ensure that you are properly protected in line with the risks your business faces. With that in mind, we will take the time to understand the specific needs of your business and recommend the amount of cover that is best suited to you.
Vehicles with smaller engines, standard security features, and modest repair costs are usually cheaper to insure. When replacing or upgrading your commercial vehicle, consider insurance group ratings as part of your decision.
Adding a Thatcham-approved alarm, immobiliser, steering lock or tracker to your van or commercial car can reduce the risk of theft. These added layers of protection are viewed favourably by insurers.
Storing your van in a locked garage, secure car park, or on a well-lit drive will help reduce your insurance premium. Let your insurer know if you have CCTV or other anti-theft measures in place.
Policies with a limited number of named drivers, particularly those with a good driving record, are often cheaper than ‘any driver’ policies. If you don’t need multiple drivers, restricting access can cut costs.
Installing a dashboard camera or telematics device can help you prove fault in the event of an incident and demonstrate good driving behaviour. This can lead to lower premiums over time, particularly with usage-based policies.
You may need extra cover like tools in transit, legal expenses, or breakdown cover. Bundling these add-ons into one policy may be more cost-effective than buying them separately.
We know every business is different, and your cover should reflect that. We’ll take the time to understand exactly what your vehicle is used for and recommend the most appropriate level of cover.
We work with a range of trusted insurers to ensure you receive the best possible price without compromising on protection.
Let’s get your business vehicle properly covered. Speak to The Yorkshire Broker today.
Call 01924 929070 for expert advice and a free quote.
Speak to a member of our dedicated team
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