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Featured commercial vehicle insurance

  • Admiral

    Our comprehensive policies feature these as standard:

    Windscreen Repair - Policyholders are eligible for the repair and replacement of windscreens (excess applies).

    Courtesy Van -  Use of a courtesy van while your van is being repaired at an Admiral approved garage.

    European Cover - Up to 90 days' cover in Europe so you can enjoy a driving holiday in France without having to arrange extra cover.

Note

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Disclaimer

The list of commercial vehicle insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

Image of Mike Brown

Michael Brown

Acting Editor

What is commercial vehicle insurance?

Commercial vehicle insurance covers vehicles used for work purposes. This can be an estate agent’s company car or a small van used by a plumber.

Like a standard car insurance policy, commercial vehicle insurance provides cover if you’re involved in an accident or if your vehicle is stolen.

There are extras to consider too. A tradesman, for example, can insure their tools through some commercial vehicle car insurance policies that cover theft from their van.

Commercial vehicle insurance is typically for those who need to insure a single vehicle. A logistics company, for example, which owns a convoy of trucks would be better suited for fleet insurance.

What types of commercial vehicle insurance are available?

Since commercial vehicle insurance is a form of motor insurance, there are the following levels of cover:

Third party

By law, all vehicles on the road must have at least third party cover. This includes vehicles used for commercial purposes.

Third party cover covers any damage you cause on the road to another vehicle – that’s it. There’s no payout for damages to your own vehicle or if it is stolen.

Third party fire and theft

This next level of cover includes cover for damages caused to third parties, if your vehicle is damaged by fire, or if it is stolen. Again, it won’t pay out for damages to your own vehicle if it is caught up in an accident.

Comprehensive

Comprehensive cover includes all the previously mentioned benefits and also pays out if you were at fault in an accident. Some providers include add-ons for this type of insurance, such as windscreen repair damage or travel to the continent.

Remember breakdown cover

Some policies don’t include breakdown cover for your business’s vehicles. You can compare the best policies for business breakdown cover separately on our website.

What to look out for in my commercial vehicle insurance

Different companies have different needs and requirements. This means they’ll be looking for different things in their commercial vehicle insurance policies.

A business which does a lot of trading with the European Union (EU) might consider cover south of the English Channel. However, if your business is based in the UK then perhaps this need wouldn’t be so pressing.

Likewise, a taxi company might wish to look at a policy which incorporates public liability insurance for their passengers.

Finding the perfect tailor-made insurance can seem a daunting place to start. So, make use of our chart above to compare the best commercial vehicle insurance policies on the market.

Do I need commercial vehicle insurance?

Not everyone needs commercial vehicle insurance.

If you use your personal vehicle occasionally for business purposes then you could still have it insured by a standard car insurance policy.

However, before taking out your cover it is important to let your insurer know how frequently you’ll use the vehicle for business. As with all insurance policies, if you lie then you’ll invalidate a potential claim in the future.

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.