Business Vehicles insurance

Repair or replacement of the vehicle up to market value

If your work vehicle is damaged but repairable, we’ll repair it or we’ll pay you the cost of the repairs. If it’s uneconomic to repair your vehicle, we’ll replace it with a similar vehicle or pay the market value up to the amount it was insured for.

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.

Protection against uninsured drivers

You won’t have to pay the excess on a claim for damage caused by an identified driver, provided the other driver is proved to be at fault.

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

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Exclusions and limitations apply. View the full policy document or contact us about these.

This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Business Vehicle insurance policy (PDF).