Transporting your own tools, stock or equipment in connection with your business.
Vehicles used for work
Commercial Vehicle Insurance
Cover for vans and commercial vehicles used to carry tools, equipment, goods or people as part of your business.
Correct business use
The work you do determines the cover you need
Commercial vehicle insurance is not one-size-fits-all. A tradesperson carrying their own tools presents a different risk from a courier delivering parcels, a haulier carrying goods for customers or a business transporting employees and equipment between sites.
The vehicle specification, gross weight, radius of operation, overnight parking, driver profile and goods carried all influence policy suitability.
Types of use
Describe the operation accurately
Carrying goods for others, often involving contracts, delivery deadlines and wider travel.
Multiple time-sensitive deliveries, frequent stops and potentially high annual mileage.
Mobile repair, maintenance, utility or specialist equipment vehicles.
Site access, tools, materials, towing and higher theft exposure.
Refrigerated or specialist goods with additional equipment and spoilage risks.
Beyond the vehicle
Consider what the vehicle carries and what happens if it stops
Vehicle insurance protects the vehicle and road liabilities, but tools, goods, refrigerated stock, hired equipment and lost income may require separate sections or policies.
Related protection
- Goods in transit
- Tools and equipment
- Breakdown assistance
- Replacement vehicle hire
- Public liability
- Business interruption
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