Business Vehicle Insurance

Repair or replacement of your business vehicle up to the market value, or the sum insured, whichever is less.*

If your work vehicle is damaged but repairable, we’ll pay the reasonable costs to repair the vehicle. If it’s uneconomic to repair your vehicle, we’ll either replace it with a similar vehicle or pay the market value up to the amount it was insured for.
^{*Unless the vehicle is leased, in which case we will pay the market value or the residual value of the leased vehicle, whichever is greater}

Guarantee on repairs by our preferred suppliers

Choose to have your vehicle repaired by an authorised repair service, or one of our preferred repairers whose work we guarantee.

Legal liability protection for damage and injury you cause

Covers your legal liability if you, an employee or someone else using the vehicle with your permission accidentally damages someone else’s property or injures someone.

Completion of journey costs

If your work vehicle isn’t driveable after an accident, we’ll cover you for a range of costs such as the cost of hiring a similar vehicle to complete your journey or to return the driver of the vehicle to where the journey started and the cost of returning your work vehicle to your business premises or recovering it following theft.

Windscreen and windows

If you need to claim for accidental damage that’s just to your vehicle’s windscreen or windows, you won’t pay any excess.

Manslaughter defence

We’ll cover the legal costs incurred by you, your employee or another driver in defending a charge of manslaughter or dangerous driving causing death that arises from an accident involving your work vehicle.

Download a copy of our Business Vehicles insurance policy

• Business vehicles policy

This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Broadform liability, Statutory liability or our Employers liability PDF.