Commercial Vehicle Insurance
Whether you run a single van or a fleet of vehicles, commercial vehicle insurance keeps your business moving. Find options from specialist UK insurers to find you the right cover.
Get in touchWhat is commercial vehicle insurance?
Commercial vehicle insurance covers vehicles used for business purposes, including vans, trucks, cars and specialist vehicles. It provides the same core protection as personal motor insurance, covering accidents, theft and third-party claims, but is specifically designed for business use.
If you use a vehicle for work, such as carrying tools, transporting goods, visiting clients or making deliveries, a standard personal motor policy will not cover you. Using a vehicle for business purposes without the correct insurance is illegal and means any claim could be refused.
Policies range from third-party only to comprehensive cover, and can include additional protections such as goods in transit, breakdown recovery and hire vehicle cover. Businesses with multiple vehicles can often insure them under a single fleet policy for simplicity and better pricing.
What is covered
- Accidental damage to your vehicle
- Third-party injury and property damage
- Theft of the vehicle
- Windscreen and glass cover
What is not covered
- Goods in transit
Usually available as an add-on or separate policy
- Tools and equipment inside the vehicle
Covered by tools and equipment insurance, not your motor policy
Who needs commercial vehicle insurance?
Tradespeople with vans
Electricians, plumbers, builders and other trades who drive to job sites with tools and materials
Couriers and delivery drivers
Anyone transporting parcels, food or goods as part of their business
Haulage and logistics companies
Businesses operating HGVs, trucks or large goods vehicles
Taxi and private hire drivers
Drivers carrying passengers for hire who need specialist motor cover
Fleet operators
Any business managing multiple vehicles, from small fleets to large commercial operations
WHY CECIL
Built differently.
UK specialists
Leading UK insurers only. No American-style policies retrofitted for British businesses.
Straightforward process
Tell us about your business. We find the options. You choose. No lengthy forms, no automated runaround.
Cover that actually fits
Cover that fits how your business operates, not a generic category. Tell us what you do and get the options that actually match.
Here when it matters
When something goes wrong, you need your insurer to respond. Only insurers rated for their claims handling.
Common questions about commercial vehicle insurance
Do I need commercial vehicle insurance if I use my van for work?
Yes. If you use your vehicle for any business purpose beyond commuting to a fixed workplace, you need commercial vehicle insurance. A standard personal motor policy does not cover business use such as carrying tools, visiting clients or making deliveries. Driving for work without the correct cover is illegal and invalidates your insurance.
What is the difference between commercial and personal vehicle insurance?
Commercial vehicle insurance covers vehicles used for business activities, such as carrying goods, visiting customers or transporting tools. Personal motor insurance covers private use and, depending on the policy, commuting to a fixed place of work. If you use your vehicle for business, you need commercial cover.
Can I insure multiple business vehicles on one policy?
Yes. If you have two or more vehicles, a fleet policy lets you insure them all under one policy with a single renewal date. This simplifies administration and often results in a lower overall premium than insuring each vehicle separately. Cecil can help you find the right fleet policy for your business.
Does commercial vehicle insurance cover goods in transit?
Standard commercial vehicle insurance does not cover the goods you are transporting. It covers the vehicle itself against accidents, theft and third-party claims. If you carry goods for clients or customers, you will need a separate goods in transit policy to cover the value of those items while they are being transported.
Industries that need this cover
Commercial Vehicle Insurance is commonly required across these sectors.
Interested in Commercial Vehicle Insurance?
We will be in contact when Cecil launches.