Commercial vehicle insurance

We'll cover your vehicle if it's damaged by fire, stolen or someone attempted to steal it.

If you’ve chosen Third party cover (shown on your certificate of insurance), we’ll pay for repairs to your vehicle if it is damaged in an accident, we’ve accepted your claim and: 1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault, and 3. their vehicle was uninsured.

You’ll keep your no claims bonus and you won’t pay an excess if you’ve been involved in an accident during the period of insurance, and: 1. you’ve identified the party at fault (name, phone number and registration number of that other party’s vehicle), and 2. we’re satisfied that the other party was more than 50% at fault.

We’ll pay for the necessary modifications to your vehicle, or your employee’s vehicle, if you or one of your employees becomes permanently disabled. That disability must directly result from a loss covered under Section 1 of this policy.

We’ll pay for express freight and overtime to expedite repairs to your vehicle as a result of loss.

We’ll pay for loss to your business assets being carried in or on your vehicle when that vehicle suffers loss caused by: 1. fire 2. collision 3. overturning 4. impact.

We’ll pay to replace your vehicle remote, keys, entry card or key codes and replace or re-code the locks if during the period of insurance: 1. they’re lost 2. they’re stolen 3. you’ve reasonable grounds to believe they have been illegally duplicated without your permission 4. you’ve reasonable grounds to believe that the combination number or electronic key codes may have become known to someone else without your permission.

We’ll pay for natural disaster damage to your vehicle during the period of insurance.

If you’re eligible for a no claims bonus, we’ll adjust your premium to reflect this. Your premium may still increase at renewal for other reasons even though you receive a no claims bonus.

You’ll only have to pay one excess if we insure more than one of your vehicles or business assets and we accept more than one claim from the same event. The excess that you pay will be the higher of those excesses. You’re only covered under this benefit if you have Comprehensive cover.

If we insure your vehicle, we’ll cover any vehicle you purchase: 1. to replace your vehicle insured under this policy 2. in addition to your vehicle insured under this policy. We’ll insure the replacement or additional vehicle from the date you purchase it under the same terms and conditions as we insure your existing vehicle.

We’ll pay for loss to your vehicle caused by riot, strike or civil commotion.

We’ll pay for the costs incurred in salvaging any load carried by your vehicle spilled onto a road, carriageway or parking area following a loss to your vehicle and we’ve accepted your claim.

We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.

We’ll pay for removing your vehicle to the nearest repairer or place of safety if it is unable to be driven after a loss covered under this policy. We’ll also pay the temporary storage costs for your damaged vehicle after a loss covered under this policy.

We’ll reimburse travel and accommodation costs to complete your journey or return home following a loss to your vehicle and we’ve accepted your claim. This benefit also extends to any driver authorised by you, passengers and domestic pets travelling in your vehicle. We’ll also pay to return your vehicle home or to your place of work after it has been repaired or recovered, or for you to travel to collect it from the repairer.

Where certain activities involving your vehicle would invalidate your policy, we’ll continue to provide cover. We’ll pay for loss when your vehicle is used or driven in circumstances that the following policy sections would usually mean there was no cover.

We’ll cover loss to your accessories and modifications that are installed in or on your vehicle.

We’ll pay for loss to signwriting on your vehicle that happens at the same time as other loss to your vehicle and we’ve accepted your claim.

We’ll pay for you to rent and insure a similar vehicle to your vehicle after a loss that is covered under this policy.

We’ll pay for loss to your registered and warranted trailer listed on your certificate of insurance.

If you’ve chosen this optional benefit and your claim is only for loss to your windscreen or window glass, your claim will be excess free and you’ll keep your no claims bonus.