Commercial Vehicle Insurance
Commercial Motor Insurance enables all your different vehicles to be insured under the one policy, from cars, trailers and caravans to goods carrying vehicles, Prime Movers, Semi Trailers and mobile plant machinery such as Loaders, Cranes and Excavators. We make the policy easy for you. Commercial Motor or Motor Fleet Insurance can provide your business vehicles with broader coverage than that provided by a standard domestic motor vehicle policy. In addition to the standard coverage provided most policies have benefits that suit businesses for example; Automatic additions and deletions, Free Windscreen cover, sign writing, hire car after theft, greater driver flexibility, higher legal liability limits, emergency repairs, theft or attempted theft, fire and legal liability, cover for employee’s personal property and no fault excesses all to help you keep your business running smoothly. Some of the optional extensions you can also choose from include:- Hire Car after an accident
- Contents of Caravan or Trailer
- Driver accident benefits
- Annually Adjustable Fleet policy
- Hired out vehicles
- Hired in vehicles
Whatever it is you require, we can access many insurers and help design a policy to suit your needs.
Mobile plant & Heavy Machinery
When it comes to insuring Mobile Plant & Equipment, they can be insured together with your Commercial Motor however we believe it is better to insure the items separately under a Plant & Machinery insurance policy. These items if damaged can sustain larger costs for claims when it comes due to recovering plant, importing parts or replacement machines, loss of income and cover for plant you may hire. A standard policy wording covers the following types of plant and machinery:- cranes and lifting machines
- forklifts
- drilling rigs
- mining machines
- trucks
- trailers
- excavators
- earthmoving equipment
- trenching machinery
- low loaders
- fixed plant and equipment
- civil works equipment and plant
Key benefits of the policy includes
- Damage – owned and hired in plant
- Increased cost of working
- Loss of income
- Machinery breakdown
- Registered machine liability
- Broadform liability
Additional covers available
- Hired in Machines – blanket cover
- Continuing Hire Charges
- Finance payment protection
- Lease value protection
- Windscreen cover
- Hook liability
