Commercial Vehicle

Designed for light commercial vehicles used for the carriage of own goods

Our Commercial Vehicle product is designed for light commercial vehicles with a gross vehicle weight of up to 3.5 tonnes, used for the carriage of own goods for the policyholder's trade or business.

The latest version of the product literature is available to download below, which contains full details of the benefits, exclusions and limitations of the cover. If you need a version prior to those shown please contact your broker.

We’ve recently reviewed our Commercial Vehicle product and have made a number of improvements to make sure it continues to meet policyholder needs. Therefore a new policy booklet applies to all new business and renewals effective from 1st August 2020. Policy documentation can be found below.


  • Cover on audio and sat-navigation equipment is unlimited. We will pay the cost of repairing or replacing audio and sat-navigation equipment permanently fitted as standard when your vehicle was first registered
  • Onward Travel/Overnight Expenses up to £250 per claim
  • Full policy cover whilst driving in the EU for up to 35 days
  • New vehicle replacement if the vehicle is less than 12 months old and written off
  • Courtesy vehicle (subject to terms and availability)
  • Windscreen replacement and repair
  • Replacement keys and locks - we will move the vehicle to a safe place if the keys are lost or stolen. The recovery cost is included in the cover limit


  • Up to 9 years' no claims discount, with protection available for 4 years plus
  • Uninsured driver benefit - no excess will apply and the no claims discount won’t be affected if the accident is the fault of a driver with no insurance
  • Discounts available for:
  • Limited mileage
  • Increasing excess
  • Accident recovery and approved repairer service, including 3 year guarantee for repairs
  • Introductory bonus available
  • Dedicated motor claims helpline operated 24 hours a day, 365 days a year, by staff trained in managing motor claims