Who Needs Commercial Vehicle Insurance?
Any business that uses vehicles during the course of their day-to-day activities will need
- Complete flexibility – any of your drivers could drive any of your vehicles as appropriate or required.
- Less bureaucracy – one policy covering all of your vehicles means less paperwork and only a single renewal date to remember.
- Cost effective. Often, insuring a number of vehicles on a single small fleet insurance policy can work out cheaper than having a range of policies.
Commercial Vehicle Insurance brokers, such as Plan Insurance Brokers, will offer advice on the likely covers that you will need to consider and, using our extensive knowledge of, and close working relationship with the C.V. and motor fleet insurance provider market, can help to find you an appropriate policy.
If you have any questions or require a Commercial Vehicle Insurance quote, call our team now on 0333 003 0043 now or request a call back here. Alternatively you can send an email to us here with your details and someone will get back to you shortly.
What type of Commercial Vehicle Insurance do I need?
Businesses typically recognise that their motor insurance costs are significant and escalating. But working with Plan Insurance Brokers, you will at least have the peace of mind that comes from knowing:
- Your business is adequately covered for the range of risks that your business may face
- You can avoid paying unnecessarily for ‘blanket’ cover options that you don’t need, but that can often be found in the wordings of ‘off the shelf’ packages.
If you drive a vehicle as part of your job then by law you need a Professional Drivers Insurance Policy. There are many ‘off the shelf’ policies, but you need to be clear on the cover you are buying. There are many different jobs that require you to drive, each one possibly needing a different type of insurance with differing levels of cover. If you are a florist or local tradesman driving a Transit van, a straightforward van insurance policy will conceivably suffice. But even then you’ll need to think about the value and nature of goods held in the vehicle. The tradesman’s tools may be rather more valuable than the florists. You may also need to ensure you are covered for carrying customer owned goods rather than just your own.
The differences are small – but getting the right cover often requires expert insight. That insight – from a broker like Plan Insurance Brokers – may actually save you money on your policy because the insurers will have the peace of mind knowing your requirements have been assessed by one of our expert team.
There are other times when using commercial vehicle insurance brokers like Plan to check the small print on your behalf will pay dividends. For example there are important distinctions between a Haulage Insurance policy and a Courier Insurance Policy. Because a haulier is likely to need a HGV insurance policy as they generally use larger vehicles. As they tend to only have 1 or 2 destinations for their cargo, the risk profile is different to that of a courier who is perhaps running round a single city centre with ten’s of drop offs in a single day. It’s very easy to misunderstand requirements. That’s why we’re here; to give you the professional advice you need to get the right cover whether it be a single truck insurance or motor fleet insurance policy your require.
At Plan Insurance Brokers we will tailor a policy to suit the exact needs of your business so that you have all the cover you do need and are not paying for cover that you don’t.
Call our team now on 0333 003 0043 for a range of personalised quotes or to discuss your Insurance requirements further.
Why Compare Commercial Vehicle Insurance with Plan Insurance Brokers?
Plan Insurance Brokers are independent and have a specialism in Commercial Vehicles. With over 25 years of experience, we know to put our customers first. Our highly trained experts are available to talk to via email or over the phone from our UK based office. They will discuss your exact needs to create a bespoke Insurance cover that’s right for you.
For an expertly sourced commercial vehicle insurance policy from a leading insurer at a highly competitive premium, professionally tailored by Plan Insurance Brokers, call the team now on 0333 003 0043
FAQs about Commercial Vehicle Insurance Claims
This FAQ page provides all the information you need to know about commercial insurance claims. For example what you should do if one of your vehicles are involved in an incident and you need to report a claim on your fleet insurance? This is of vital importance help keep the cost of your Fleet Insurance down.
Simply click on a question below to be taken to the appropriate answer.
Commercial Vehicle Insurance Claims FAQs
- What should I do if I need to make a claim on one of my commercial vehicle/fleet policies?
- What should I do if one of my fleet vehicles is involved in a motor accident?
- What do I do if one of my fleet vehicles is involved in a motor accident and the vehicle isn’t driveable?
- Do I need to report incidents if I don’t intend claiming?
- Do I need to report incidents to the police?
- Do you provide a courtesy car if I have an accident?
- Do I have to accept the amount offered to me by insurance company to settle my claim?
- What is legal cover?
- How will my claim history affect my commercial insurance premium?
- How do I file a claim?
- How can I help speed up the claim process?
Plan provide a full accident management service for motor related claims. As soon as an incident occurs you should call Plan’s dedicated claims assistance service for advice on claim line 0333 003 0613.
Make sure you have the name of your insurer and your policy number to hand.
Obtain full details of all parties involved in the accident, including vehicle registration numbers, drivers names and addresses and any insurance company details along with policy numbers. (They are obliged to provide these details under the Road Traffic Act).
Obtain full names and addresses of any witnesses.
Contact Plan’s Claims Line 0333 003 0613 as soon as possible to inform us of your accident.
Go to hospital or your GP if you are injured.
What do I do if one of my fleet vehicles is involved in a motor accident and the vehicle isn’t drivable?
If you’re involved in an accident and your vehicle isn’t drivable, and you have Breakdown Cover arranged by Plan then please refer to the 24 hour recovery line number listed in your documentation and recovery of your vehicle will be taken care of.
If you have not specifically added breakdown recovery cover to your policy then whether you receive breakdown cover depends on the cover provided by your insurer. Please see your policy documentation for details or call our customer service team for information during office hours on 0333 003 0041.
Take out Breakdown Cover today. Benefits include;
- Roadside assistance
- Roadside start
- 24 hour cover – 365 days a year
For a full list of benefits please contact us 0333 003 0041
You should report all accidents, thefts, attempted thefts, fire and malicious damage incidents, even if you are not going to make a claim against your insurance.
For any motor related claims please call Plan’s claims line 0333 003 0613. For all other claims please refer to your policy documentation for your insurer’s specific claim line number.
Theft, attempted theft and malicious damage incidents must be reported to the police within 48 hours. Please note the crime reference number as it will be required when you notify us of the incident.
Do you provide a courtesy vehicle if I have a motor accident?
Whether you receive a courtesy vehicle or not is dependent on the particular insurance policy you have purchased. Courtesy cars are normally provided by comprehensive insurance whether the accident you were involved in was your fault or not. However all motor insurance policies have exclusions and conditions. You must check your policy document for full details of the motor insurance cover provided.
In the event that you are involved in a non-fault accident, where fault has been established as the third party’s, Plan’s claim team will seek to arrange a courtesy car for you.
You do not have to accept an offer made to you by your insurer if you are not satisfied with it.
For example the wear and tear of your vehicle may be much less than the insurer or loss adjuster has taken into account in their valuation. The vehicle may have held its value more than they have realised.
If you would like to challenge an insurer’s valuation and claim settlement offer you need to build your case as to why their offer is insufficient. They may ask you for photo’s of the vehicle that demonstrate it was in excellent condition. You could look for adverts in trade magazines for the same model and age car that support your valuation.
Once you have built your case you can then go back to your insurance company and ask them to re-evaluate their offer. Your claim advisor at Plan’s claim team will help you pursue the matter in order to resolve it as quickly as possible.
However if their offer if your insurer’s offer is still unsatisfactory to you, you have the right to refer your complaint to the Financial Ombudsman Service.
Their address is:
Financial Ombudsman Service
South Quay Plaza 2
183 Marsh Wall
Telephone: from landlines 0800 023 4567 or from mobiles 0300 123 9 123
The Financial Ombudsman Service will handle most complaints you might have, but there are some instances that fall outside their authority. The Ombudsman’s decision is binding upon us, but you are free to reject it without affecting your legal rights.
Plan’s Free Legal Cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. We will provide up to £100,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).
Typically before a commercial insurance company will provide you with a quote, they will look at all your previous claims including ones that were not paid. If the insurer notices several claims in the last few years they are likely to increase your premium.
Usually the process of filing for a claim is quick and simple but when an accident occurs it’s easy to become confused.
- DO notify your broker or your insurer directly as soon as possible. For motor related claims call Plan’s claims line on 0333 003 0613 a.s.a.p. For all other claims please link refer to your insurer’s claim line number that will be listed in your policy documentation
- DO tell the police immediately if you have suffered a theft or malicious damage
- DO take all possible action to prevent further loss or damage and thereby minimise or reduce the loss
- DO take any immediate action possible to prevent it happening again
- DO tell your broker or direct insurer immediately if you receive a solicitors letter, summons, notice of prosecution or similar communication
- DO NOT acknowledge a solicitors letter, summons, notice of prosecution or similar communication
- DO NOT admit liability or offer to pay compensation to anyone. Pass all correspondence to your broker or direct insurer, unanswered immediately
Call Plan’s claim team a.s.a.p. on 0333 003 0613.
Be prepared to provide any information that is requested by the insurance company or adjuster. The best way to prepare is to be proactive and document vital information before a problem comes to pass. For example, you may want to keep duplicate records of key purchases offsite.
Call Plan on 0333 003 0613 as soon as a motor incident occurs