Commercial Vehicle Insurance

Commercial Vehicle Insurance

Our Commercial Vehicle insurance is suitable for light commercial vehicles of up to 3.5 tons Gross Vehicle Weight, driven by someone over 25 and used to transport your own goods.  It will cover your vehicle/s and the legal liabilities arising from them, including costs resulting from any accident involving your vehicle or whilst loading or unloading your vehicle.

You can get a quote whether you are looking for third party cover, third party fire and theft or comprehensive commercial van insurance; summarised below:

• Third Party only - cover for damage caused to other peoples’ vehicles, property and for injuries they sustain.
• Third Party Fire and Theft – in addition to third party only, you’re covered for loss or damage to your own vehicle caused by fire or theft.
• Comprehensive Cover - In addition to Third Party Fire and Theft, you’re covered for damage that your vehicle sustains in an accident or for any damage caused by vandalism.

      

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on 0800 048 1669.

Key Features

• Cover for in-vehicle equipment up to £750 (only available on comprehensive cover)
• Access to a Nationwide Approver Network, with no estimates required, and 3 year guarantee on all repairs
• European Union cover as standard, covers your vehicle for accidents occurring in the European Union at no extra cost, provided you notify us in advance of your intention to travel
• Legal protection included as standard up to £100,000 which allows you to claim back uninsured losses where an accident is not your fault or defend your legal rights where a case is brought against you
• Replacement Locks Cover up to £1000 for loss or theft of keys (not available on third party only cover. Limited to theft only on Third Party Fire & Theft policies)

And to help your cash flow it all comes with no interest to pay if you want to spread your payments by monthly direct debit and no charges for making changes to your cover. 

For further details of the significant benefits and exclusions that apply, please take a look at the Commercial Vehicle Insurance Policy Summary or for full details of all the terms and conditions the Commercial Vehicle Insurance Policy Document before you buy. Terms and conditions apply to the benefits listed.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669.

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Commercial Vehicle Core Cover:

• Unlimited Third party liability for death or injury
• Accidental damage to property - £5m for any insured vehicle, and £1m for any vehicle carrying hazardous goods
• Legal protection of up to £100,000 for legal advice and services to defend your legal rights or help claim back uninsured losses
• Legal defence costs of up to £5m for defending a prosecution brought under the Corporate Manslaughter and Corporate Homicide Act 2007  
• Trailer cover - provides Third Party cover when your trailer is attached to the main vehicle. (Wider cover may be available on request)
• Foreign use for accidents occurring whilst travelling in the European Union, and for an additional cost, certain non European Union countries (you must notify us in advance of travel)
• Cover for your employees when driving vehicles not owned by you, to carry out your business.

The following cover is provided on Comprehensive cover, and Third Party Fire & Theft policies only:

• Replacement Locks cover of up to £1000 for loss or theft of keys (limited to theft on Third Party Fire & Theft cover)
• Loss or damage to your own vehicle (limited to fire, theft or attempted theft on Third Party Fire & Theft cover) 
• New for old Replacement Vehicle cover on vehicles under 1 year old, held from first registration (excludes goods carrying vehicles over 3.5 tons. Limited to damage or loss caused by fire, theft or attempted theft on Third Party Fire & Theft cover)
• Cover for windscreen repair and replacement without affecting your no claims bonus (windscreen replacement is subject to excess)

The following cover is provided on Comprehensive policies only:

• Personal effects, clothing and rugs up to £250 (excludes money, jewellery, furs and business related goods)
• Personal accident cover for the death of the driver, or the loss of their sight or one or more limbs, up to £5,000 (the driver must be between 17 and 70)
• Medical expenses of up to £250 per person up to a maximum of £500 per incident, for dental, surgical or medical fees incurred as a result of an accident when travelling in the insured vehicle

For further details of the significant benefits and exclusions that apply, please take a look at the Commercial Vehicle Insurance Policy Summary or for full details of all the terms and conditions the Commercial Vehicle Insurance Policy Document before you buy.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

Welcome to the Commercial Vehicle Insurance FAQ's.

Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.

Q: How far in advance can I get a quote?
You can get a quote anytime, but it will expire after  60 days, so it’s best to get one no more than 60 days before you need cover to start
Q: What if I don't know the date of a previous claim when completing my application?
It’s important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you need.

Q: What if I don't know the amount of a previous claim when completing my application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.

Q: How many claims can I have had previously?
You will need to supply details of all claims for all drivers of the vehicle which have occurred in the last three years, regardless of fault. Depending on the type of claims declared this may result in a quote not being provided.

Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the policy summary. In addition, when you get a quote any additional exclusions or conditions specific to you will be detailed in your policy schedule.

Q: What are the standard excesses?
The main standard excesses on this policy are as follows:
Accidental Damage, Fire, Theft & Malicious Damage - £100 (plus £250 for drivers under 25, or plus £100 for drivers over 25 with less than 12 month’s driving licence)                             
Windscreen replacement  - £50 (nil excess for repairs by an approved repairer)
Excess amounts are increased for drivers under the age of 25 and inexperienced drivers. For further details please refer to the policy summary.

Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.

Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to us as otherwise it may invalidate your policy or result in a claim not being paid.

Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to us as otherwise it may invalidate your policy or result in a claim not being paid.

Q: What is the maximum number of people I can cover ?
If you have a named driver policy the maximum number of named drivers is four plus yourself. If you require more people than this to drive, you can insure your vehicle on an Any Driver over 25 or Any Driver over 30 basis.

Q: What covers are available under this product?
The following covers are available:      
Comprehensive                            
Third Party Fire & Theft                 
Third Party Only

Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Certain covers, such as Protected No Claims Discount or a change of cover can only be applied mid-term if there is a change of vehicle at the same time.

Quote & Apply Now

Get a Commercial Vehicle Insurance quote online or call the Business Insurance Centre on 0800 048 1669.

      

Get a quote today

Getting a Commercial Vehicle Insurance quote is simple. All you have to do is complete the step by step process to receiving your quote online.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

What will you need?

• The vehicle(s) registration
• The make, model, type & year of manufacture
• Number of seats and details of any security devices
• Purchase date
• Details of all drivers
• Details of any No Claims Discount entitlement
• Annual mileage (actual or expected)
• The date you wish the cover to start from

Commercial Vehicle Insurance Policy Summary
Commercial Vehicle Insurance Policy Document

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.