Business vehicle insurance – which is also known as commercial vehicle insurance – is a legal requirement in the UK, and protects you if you use your car or van for work-related purposes.
People often think that standard personal vehicle insurance policies cover them for work too, but this isn’t the case. Standard policies don’t offer the same level of protection as business vehicle insurance does – in fact, standard policies only cover you for social use and commuting.
Business vehicle insurance covers a much wider range of uses than a standard vehicle insurance policy. With a commercial vehicle insurance policy, you’re protected if you travel between different locations for work, if you drive employees or colleagues around, use your van to commute to any place of work or if you use your vehicle for work – and anything else that you use the vehicle for on behalf of your business.
Why choose Aviva for business vehicle insurance?
We want you to be completely confident that your policy covers everything you need it to — the motor policy booklet (PDF 0.5MB) explains all of the benefits you can receive. Here are some of the reasons to choose our business vehicle insurance.
24/7 claims helpline
Our lines are open 24 hours a day for all those unexpected emergencies.
24 hour pickup
Had an accident? We’ll pick you up round the clock and arrange for your car to be dropped to a destination of your choice.
Uninsured driver promise
Hit by an uninsured driver? Give us the details of the driver and their vehicle and you won’t lose your no claim discount. We’ll even refund any excess you’ve paid.
Lifetime repair guarantee
We’ll guarantee the quality of repairs made by our approved repairers for as long as you insure your vehicle with us. Parts are covered for the length of the guarantee from the manufacturer or supplier and we won’t cover wear and tear.
Three–year repair guarantee
We’ll also guarantee the quality of repairs made by our approved repairers to your business vehicle(s) for three years – even if you switch insurers. Parts are covered for the length of the guarantee from the manufacturer or supplier and we won’t cover wear and tear.
Up to £500 tool cover
The tools you keep in your business vehicle or van are covered up to the value of £500 with our comprehensive insurance.
Passenger cover for your colleagues
Not all commercial vehicle policies will allow you to carry passengers, but ours does. So you’re still covered if you give a colleague a lift to the office or a site.
Replacement car and van options available
When you’ve got our comprehensive cover, we’ll supply replacement vehicles so your business can stay on the road.
With our straightforward online claims process and 24/7 claims helpline, making a claim just got easier.
Get more with our business vehicle insurance
From injury to you or your passengers to chipped windscreens, our business vehicle insurance protects you when you’re behind the wheel. Whether you choose our comprehensive or third party, fire and theft cover, you could drive away with some of our optional extras – including:
Foreign use cover – keeps you covered if you’re working and driving in most European countries
Protected no claim discount – guarantees that your premium won’t increase next year as a result of making one claim
Motor legal – expert legal support when you need it most
Replacement van – if your van is off the road following a claim, we’ll provide you with a replacement vehicle until it’s either recovered, repaired or written off
Courtesy car (standard) – we’ll provide a courtesy car for the duration of any repairs, so you can carry on with business
Courtesy car (enhanced) – the option of a larger courtesy car or vehicle if yours is involved in a claim
If you’re a company car driver, insurance might be a hassle. Many businesses lease vehicles for their drivers and you may be left to arrange private insurance on your company car.
Why choose Endsleigh?
Some UK insurers will not cover lease vehicles because their policies state that the driver must own the car they are insuring. Endsleigh will provide you with a policy that covers your vehicle for business use. Be assured we’ve got you covered — no matter what your needs are.
You can get cover for lease vehicles and company vehicles (minimum 12 month lease) at affordable premiums.
We offer four types of breakdown cover. All cover options will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges.
If you have an accident that’s not your fault, this cover will provide up to £100,000 for legal representation for you and all named drivers on your policy to recover the costs not covered by your car insurance. You’ll also receive help to defend your legal rights if an accident leads to a motoring offence.
This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either £300, £500 or £750 for each excess paid.
This cover provides up to £2,500 for replacing locks and keys for your car, home and office, including locksmith charges. You’ll also receive three days of emergency car hire or the option to reclaim the cost of onward transport if your car keys are lost or stolen.
Personal accident cover
This cover provides up to £30,000 for you or your passengers in the event of death, loss of limbs, sight or hearing following an accident in your car or while getting into or out of it.
If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK for up to 21 days. All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.