Moving vehicles between owners and sites
Vehicle Delivery Insurance
Vehicle delivery may involve driving the customer’s vehicle, using trade plates, transporting it on a carrier or combining several methods. The insurance arrangement must match the movement model.
Driving a vehicle is different from carrying it
Where a driver collects and drives a car, the road-risk or motor policy needs to permit that activity and driver. Where the vehicle is loaded onto a transporter, carrier’s liability, goods-in-transit or custody wording may become relevant.
Mixed operations should be described clearly so there is no gap between loading, transit, unloading and the final driven handover.
Condition evidence protects both parties
Use timestamped photographs, collection signatures, mileage, fuel or charge level and notes of existing damage. Record when responsibility passes and how keys and documents are transferred.
For unattended stops, explain security, parking choices, tracker use and whether loaded vehicles remain on the transporter overnight.
Driver Suitability and Contractual Requirements
Customers may impose age, licence, training or background-check requirements beyond the policy minimum. High-performance, commercial, electric or adapted vehicles may require additional competence.
Subcontracting should be transparent. Determine whose insurance responds, obtain evidence of cover and avoid assuming that an individual driver’s personal policy extends to professional delivery.
Prepare for delay and failed handover
A vehicle may be refused, become undriveable or need storage after the destination closes. The business should have an authorised contingency plan and know whether temporary storage falls within cover.
Focused commercial insurance guidance
Explain how vehicle delivery work is done
Vehicle delivery may involve driving customer or trade vehicles between sites. The insurer needs to understand who drives, which vehicles are moved and where journeys take place.
Records should show each movement clearly. They can also help with disputes about condition or custody.
- Record each vehicle movement.
- Confirm approved drivers.
- Use condition checks.
- Explain collection and delivery areas.
Simple movement records can support both insurance and day-to-day control.