Which Commercial Vehicles Can You Get Commercial Motor Insurance For?

Commercial vehicle insurance is a specialised policy designed to protect vehicles used for business purposes against various risks, including natural and artificial disasters. It’s essential for businesses that rely on vehicles to ensure financial security and operational continuity. You can purchase vehicle insurance online in a hassle-free manner.

What Purpose Do Commercial Vehicles Serve?

Commercial vehicles are essential to many industries, acting as the backbone of commerce and facilitating the efficient flow of goods and services. Commercial vehicle insurance is crucial for business owners to safeguard their investments because commercial vehicles are subject to particular dangers and collision hazards. *

Types Of Commercial Vehicles Covered By Commercial Vehicle Insurance Policies

• Delivery Vans: Businesses engaged in logistics and transportation, such as courier services, online retailers, and neighbourhood delivery services, frequently use delivery vans. These vehicles are made to move cargo, including packages, efficiently. Delivery vans often need insurance coverage for protection against accidents, theft, and damage to the van and its contents.

• Trucks: Various industries rely on trucks of different sizes and types, such as refrigerated trucks, flatbed trucks, and more. These vehicles are utilised by businesses transporting heavy loads, construction, and trucking. Commercial vehicle insurance typically covers trucks and includes property damage, bodily injury liability, cargo damage, and medical expense coverage.

• Semi-Trucks: Semi-trucks, also referred to as tractor-trailers or 18-wheelers, are frequently seen on highways and are used for the long-distance transportation of goods. Accidents involving semi-trucks can cause significant damage and liabilities because of their size and weight. Semi-trucks can get comprehensive collision, liability, and cargo-related commercial vehicle insurance.

• Buses: In the transportation sector, buses are frequently used by charter services, schools, tour operators, and public transportation. Whether it’s a luxury coach, a city bus, or a school bus, all these vehicles carry passengers and are subject to theft, damage, and accidents. Insuring buses as commercial vehicles typically includes liability, property damage, and passenger injury coverage.

• Ride-sharing and Taxi Vehicles: The requirement for commercial car insurance has become critical with the growth of ride-sharing services and taxi businesses. Taxis and ride-sharing vehicles operate for profit and transport people, making them vulnerable to mishaps and other dangers.

• Food Trucks: In recent years, food trucks have become incredibly popular, providing mobile dining options at various locations. Food trucks and mobile restaurants are particularly vulnerable to hazards involving the cooking apparatus, food storage, and customer interactions. General liability, property damage, and equipment breakdown coverage for food trucks are covered by commercial vehicle insurance.

• Construction Vehicles: Excavators, bulldozers, cranes, and cement mixers are just a few of the specialised vehicles that construction companies frequently use to complete their tasks. These vehicles are typically covered by commercial vehicle insurance plans that offer coverage for equipment failure, liability, and property damage. Construction site-specific risks are taken into account by insurance for construction vehicles.

Make sure you renew your commercial vehicle insurance to make a valid motor insurance claim. You can check the cost of premiums using a car insurance calculator.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.