Commercial Vehicle Insurance

Fast, tailored cover for your business vehicles

What is Commercial Vehicle Insurance?

Commercial vehicle insurance (also known as business vehicle insurance) is designed specifically to protect against damage to or theft of your work vehicle as well as cover for third-party damage sustained during an accident. A tailor-made policy from Real Insurance allows you to build the exact policy you need to match your vehicle use and business type, offering total peace of mind.

Whether you operate vans, cars, HGV or other heavy plant machinery, we can find the perfect commercial vehicle insurance for you.


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What does commercial vehicle insurance cover?

Policies are likely to vary depending on the cover level and insurance company you choose to go witih. However, all standard commercial vehicle insurance policies will provide cover if your vehicle is stolen, or is damaged in an accident or by fire. We can also add passenger insurance and public liability cover as well to keep yourself and your passengers safe. You may also wish to consider Goods in Transit Insurance as well as Business Car Fleet insurance too for even greater peace of mind.

What type of commercial vehicle insurance do I need?

Finding the right policy for your business vehicle insurance isn’t always easy. Sometimes it appears quite simple, for instance an owner-driver using a 44 tonne vehicle for road haulage must have haulage vehicle insurance. But sometimes things aren’t so clear cut, because even if you know the type of commercial vehicle policy you want, you must make sure the policy you buy meets all the needs of your daily business activities correctly. Plus, there may be other issues which are less clear, for example which type of cover you’ll need if you wish to use your own private vehicle for business use or casual courier work.

It’s very important that you buy the cover that meets every one of your business needs, which is why specialist brokers like us at Real can really help. If you have questions about the cover you need, get in touch with our team of expert advisers and we can talk you through the details and aid you in making a totally informed decision.

Talk to a member of our specialist insurance broking team today

How much does commercial vehicle insurance cost?

As no two commercial vehicle insurance policies are ever the same, it’s tricky to give an average cost. At Real Insurance, we spend time getting to know you, your business and your vehicle(s) so that we can find you the most cost effective yet advanced cover possible. Our quote will be bespoke to match your exact requirements, vehicle use and driving history, with no hidden extras.

Common commercial vehicle insurance policy exclusions

Once you’ve received your insurance quote and policy document, the full specific list of exclusions will be clear for you to see. However, there are some main exclusions to bear in mind. These are:

If your vehicle is stolen whilst the keys were still in it

Any deliberate acts of recklessness, vandalism or negligence

General wear and tear

What are fleet and mini fleet policies?

Fleet insurance is generally aimed at businesses with at least five vehicles used for business purposes. Policies can be created to cover a variety of different vehicles within the fleet including vans, cars and trucks. Mini fleet insurance is very similar but it generally only covers fleets of between one and four vehicles in size. Van fleet insurance covers fleets of vans only.

Call Real Insurance today to discuss your commercial vehicle insurance requirements today.

Why arrange your insurance through Real Insurance?

Real Insurance Brokers is an established, independent insurance broker with years of experience arranging insurance coverr for commercial vehicles. With access to policies from a range of insurers, we’ll help you get the cover you need at a price you’ll like.

Real Insurance Brokers UK
Real Insurance Brokers UK