Vehicles and actual use
Identify vehicles, trailers, attachments, values and finance arrangements. Passenger transport, deliveries and specialist use need clear descriptions.
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Commercial Motor & Fleet
Commercial motor and fleet insurance follows the vehicles used in your operation. A fleet can have different vehicle types, drivers and jobs, so one broad label is not enough to describe the risk.
Who it is for
Businesses using commercial vehicles, from a small operating fleet to mixed vehicle groups.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Damage and liability
Compare own-vehicle damage and third-party property liability separately. Driver conditions, excesses, repair arrangements and any replacement-vehicle benefits vary by proposal.
Cargo and business dependencies
Motor cover does not automatically insure customers’ goods, your transport liability or lost trading income. Identify those dependencies and review the appropriate separate sections or policies.
Information for quotations
List vehicles, ownership or finance, drivers, actual use, carrying activities, operating areas, modifications and claims history.
Limitations and exclusions to discuss
Vehicle damage, motor liability, goods carried and carrier liability need separate review. Discuss driver restrictions, use, limits, excesses and any downtime benefits.
Frequently asked questions
Does motor insurance automatically cover customers’ goods?
No. The vehicle, the goods and the carrier’s responsibilities are different interests. Explain who owns the goods and how they are carried.
Can we describe all vehicles as private use?
The description should reflect actual use, including deliveries, trade work or other business activities. Discuss the correct vehicle arrangement.
Talk through your business.
Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.