Commercial Motor Insurance

Commercial Motor Vehicle Insurance

Insurance for your Commercial Motor Vehicles

If your business is on the road, you’ll need insurance that goes the extra distance. With our Commercial motor insurance you get more than just great cover. You’ll also enjoy a range of benefits to help keep your employees safe and your vehicles on the road.

Our Commercial motor insurance can be tailored to insure each of your business vehicles individually. For larger fleets of 15 or more vehicles, we offer a Commercial motor fleet option.

Below is an outline from one of the commercial motor vehicle insurance companies we arrange cover with.

Cover for individual business vehicles

Our Commercial motor insurance is one of nine covers you can choose from in our business suite. Your policy can be tailored to insure each of your business vehicles individually with a combination of cover types and excess structures. You can choose from three levels of cover for each of your vehicles: comprehensive, third party, or third party fire and theft.

To get the level of cover that’s right for your business, talk to your broker or adviser.

Comprehensive cover:

  • Our most popular level of commercial motor insurance cover.
  • If your business vehicles are stolen or damaged, we’ll cover them for their market value, up to a Sum Insured that you set.
  • If your vehicle is no longer roadworthy after an accident, we’ll cover emergency accommodation and travel.
  • We’ll provide cover for load recovery, salvage costs, trailers and tarpaulins, hoists and road clearing, and we can also cover your employee’s vehicles while they’re being used for your business.
  • If you’re in an accident caused by an identified third party, you can make a claim and still keep your no claim bonus – we’ll even waive the excess.

Commercial vehicle liability cover:

  • We’ll protect you for your legal liability to third parties for all three levels of our cover.
  • Includes cover for your legal liability to pay defence costs and damages if you accidentally damage someone else’s property.
  • We also offer cover for your liability under the Sentencing Amendment Act 2014. If you accidentally injure someone and are ordered by the Court to pay reparation for their lost income or medical costs, you may be able to claim for some or all of the cost.
Commercial Motor Vehicle Fleet Insurance
Commercial Motor Vehicle Fleet Insurance

Cover for commercial motor fleets

If you have 15 or more commercial vehicles, our Commercial motor fleet insurance could be the best option for your business. This policy insures your commercial vehicles as a fleet and includes extra benefits that will help your business stay on the road if you need to make a claim.

You can choose from three levels of cover: comprehensive, third party or third party fire and theft.

To get the level of cover that’s right for your business, talk to us today.

Comprehensive cover

  • Our most popular level of cover for Commercial motor fleet insurance.
  • We’ll cover you if one of your vehicles is stolen or accidentally damaged. You can insure each of your fleet vehicles up to a Sum Insured that you choose. If one of your vehicles is stolen, we’ll cover reasonable costs to hire a replacement so you can keep your business on the road until your vehicle is recovered or we’ve settled your claim. We will also provide cover for your goods in transit and your load recovery.
  • We’ll cover the cost of replacing locks and keys, and replacing your vehicle’s signwriting.

Commercial motor fleet liability cover

  • We’ll protect you for your legal liability to third parties for all three levels of our cover.
  • Includes cover for your legal liability for defence costs and damages if you accidentally damage someone else’s property.
  • We also cover reparations you might need to pay if you accidentally injure another person.

Talk to us about Commercial Motor Vehicle Insurance

If you need advice with advice on Commercial Motor Vehicle Insurance and Fleet Cover, get in touch today.

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