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Commercial Motor

Commercial Motor Insurance

Insurance for Business vehicles – whether a taxi, business car or commercial vehicle. Cover for single vehicles, multiple vehicles and fleets catered for, regardless of the business or trade. For the self-employed, small to large businesses with a wide range of benefits available, plus cover for full-time and part-time motor traders.

Taxi Insurance

Tailor-made policies for the professional driver with discounted rates available for local Licensing Authorities.

  • Standard cars, MPV’S and minibuses
  • Purpose built vehicles including those adapted for wheelchair access
  • Private hire, Public hire/hackney carriage
  • Executive hire, wedding hire & chauffeur service
  • All levels of taxi experience considered
  • Introductory bonus
  • Single or multiple vehicles & fleets
  • Taxi Liability cover available, £1m, £2m, £5m and £10m – Motor Contingency Cover
  • RAC breakdown cover at preferential rates
  • Discounts for vehicles fitted with cameras
  • Cover for taxi offices – Public & Employers Liability & Contents
Commercial Vehicle Insurance

Comprehensive policies for small & family run businesses to larger Companies with any Business Use considered.

  • Vans, double cabs, pickups, tippers, car derived vans
  • All vehicles up to 3.5 tonne
  • Larger commercial vehicles up to 44 tonne
  • Use for carriage of own goods, Hire & Reward and Haulage
  • Agricultural vehicles
  • Bespoke vehicles or those with a specialist use including mobile cranes, diggers, excavators, fork lift trucks, cherry pickers & other similar vehicles
Business Car Insurance

Business car cover for Businesses of all sizes

  • Full business use available including carriage of goods
  • Uninsured loss recovery
  • EU cover
  • Like for like courtesy vehicles
  • Multiple vehicles can be covered under one policy
  • Various driving restrictions available
Motor Fleet Insurance

Flexible solutions for fleets from two vehicles for those operating all types of vehicles.

  • Mixed vehicle schedules and cover – Private cars, vans & minibuses
  • Mixed use – carriage of own goods and haulage
  • Uninsured loss recovery
  • Can cater for young/inexperienced drivers
  • Any driver cover – High performance vehicles may have age restrictions
  • EU cover
  • Discounts for risk management features – telematics, cameras, driver awareness, licence validation checks
Minibus Insurance

Tailored policies for vehicles with a minimum of 8 passenger seats used for a range of purposes including:-

  • Private Hire & Contract Hire
  • Employee transportation
  • Business use
  • Not for profit organisations such as charities, sports clubs, educational & religious establishments
  • Section 19 permits
  • Care homes, childcare, day centres

Cover can include:-

  • Breakdown cover
  • Uninsured loss recovery
  • Public Liability
Specialist Non Standard Insurance

Whether a driver has an interesting history or the vehicle is non standard, with our experience of non standard risks we will do our best to find a solution for you. Non standard could be due to:-

  • Multiple claims
  • High value claims
  • Multiple motoring convictions with or without driving bans
  • Drivers with criminal convictions
  • Drivers with previous insurance voided or cancelled
  • High risk occupations – Professional sports persons or those in the Entertainment profession
  • Decommissioned black cabs
  • Unusual vehicles or those with a specialist use
  • Roadsweepers, Camera vehicles
  • Mobile catering vehicles, coffee shops, Ice cream vans
  • Modified or converted vehicles for business use – Mobile photo booths, cinemas, theatres, dog grooming parlours, hairdressing salons & beauty parlours, offices & classrooms & more
  • Exhibition and promotional vehicles
Motor Trade Insurance

For full or part time motor traders who are working from commercial premises, home or are mobile and require Road Risks cover for their own vehicles and those in their custody or control for motor trade purposes.
Various occupations within the motor trade catered for including:-

  • Car, van and motorcycle sales
  • Commercial vehicle sales (up to 7.5T)
  • Servicing and repair – all vehicle types
  • Auto electricians
  • Diagnostic specialists
  • Mobile mechanic
  • Vehicle fuel convertors
  • Wheel refurbishment

Optional covers available including:-

  • Demonstration cover
  • Protected no claim discount
  • Uninsured loss recovery
  • Public & Products Liability
  • Employers Liability
  • Cover for Business tools