Commercial Vehicle & Motor Fleet

Insuring a vehicle can be extremely expensive but it is essential that the right insurance cover is in place. There are, normally, three main levels of cover:

Third Party provides cover for:

• Liability for injuries to other people, including passengers.
• Liability for damage to other people's property.
• Liability of passengers for accidents caused by them.
• Liability arising from the use of a caravan or trailer, while attached to the vehicle.

Third Party Fire and Theft also provides cover for:

• Fire or Theft -
  (If your vehicle is not normally kept in a garage or locked compound at night, theft cover may be excluded or subject to special conditions. There may be an 'excess' - a part of the cost of the claim for which you are responsible - following an incident of theft. If you are selling your vehicle make sure you receive proper payment before parting with it. Your insurance policy will not cover your loss if your vehicle is taken from you by deception.)

Comprehensive also provides cover for:

• Accidental damage to your own vehicle. There may be an 'excess' - part of the cost of the claim for which you are responsible.
• A personal accident benefit. Certain amounts are paid in the event of the death or specific permanent disablement of the policyholder - and sometimes his or her spouse or family member.
• Medical expenses necessarily incurred, up to a stated limit.
• Loss of or damage to personal effects in the vehicle, up to a stated limit.

Commercial Vehicle
Your commercial vehicle can often be the lifeline of your business. In fact, you may even feel like you run your business from your vehicle. Commercial vehicle insurance products offer a wide range of cover and pricing options for many different trades, up to a tonnage limit of 3.5 tonnes.

Mini-fleet
Almost any vehicle can be insured on a mini-fleet policy so, if you, your business or your family insure 5 or more vehicles you could benefit from a mini-fleet insurance policy. A mini-fleet policy can offer many advantages over insuring vehicles on an individual basis:

• The combined premium for your policy gives more buying power than several smaller policies
• Fleet policies often provide more flexible arrangements than individually insured vehicles
• All your vehicles benefit from the attention of a fleet specialist who understands your complete circumstances rather than viewing vehicles in isolation

Motor fleet
Motor fleet policies normally start from 3 or 5 insured vehicles. In addition to insuring the vehicles there is often a fleet risk management programme – contact us for further detaills.

We also recommend:

• Commercial Legal Expenses
  Covers the legal costs which may be incurred in defending or mounting an action relating to your business activities.
  
  
• Motor Legal Expenses
  Covers legal costs incurred in pursuing a third party for "uninsured losses", e.g. policy excess/car hiring charges, following a non-fault motor accident.