Commercial Vehicle Insurance

Commercial Vehicles

We’ve been arranging policies for over 30 years, and will tailor cover to your company’s precise needs.


The switch to electric is gathering pace and our team have the cover solutions to help.

Trucks &

No matter the use we’ll quote to cover your truck or lorry.


Insuring heavy goods vehicles needn’t weigh you down, let us carry the load for your company.

Special Vehicle Types

Special purpose vehicles can often be difficult to insure, we have niche providers willing to help.

Passenger Transport

Competitive cover for firms that transport people from A to B, no matter the mode of preference.

Your Insurance Solution

If you require fleet insurance for your commercial vehicles, Plan will arrange quality protection at a highly competitive premium. No matter the nature or size of your company, our experts keep insurance simple. See their outstanding reviews.


Below we have compiled some commonly asked questions that explain the key features of Commercial Vehicle Insurance, from essential elements of insurance to optional add-ons, to ensure that you and your business have the right cover.

If you have any more questions or would like a quote call our expert team, request a call back or fill in a quote form.

What added value will Plan provide to my business?

At Plan we can provide your company with a great deal of additional value on your commercial insurance. We break the process down into the following three steps, Protect, Prevent and Perform.

First we ensure quality protection, tailored to your firm’s needs is arranged at competitive prices. To prevent avoidable incidents that could be costly, time consuming and even tragic in some instances, we provide extensive risk management services free of charge. When incidents do occur, you will benefit from expert advice and the host of first class support services offered during the “protect” process.

Our business essentials policy is also available, providing incredibly cost effective assistance to a number of back office functions. Your firm could benefit from: emergency assistance, free legal support, legal cost protection, approved online health and safety training courses, disaster recovery/continuity planning as well as numerous other valuable risk management tools.

A significant area of efficiency for many clients that operate commercial vehicles has been the emergence of pay per mile fleet insurance products. Plan is at the forefront of broking these innovative solutions. Commercial vehicle operators can make significant cost savings. This is achieved via the avoidance of paying to cover under-utilised vehicles but also the introduction of telematics systems. Telematics greatly improves the ability of commercial vehicle fleet managers to monitor drivers and positively influence their behaviour.

What claims support do Plan offer?

Our informed advice and independent claims guidance, based on over 30 years of industry experience, all comes as part of the service. Our motor claims help line will also proactively report incidents to your insurer on your company’s behalf and arrange courtesy vehicles whenever possible.

That should all go without saying. Though, we do also offer the following innovative claims solutions:

Loss Adjuster Assistance Insurance – Should you need to make a material damage claim on a commercial combined insurance with a value in excess of £5,000 having unlimited advice from a professional loss adjuster could prove a fantastically helpful resource to draw upon. We offer an insurance policy that will provide a  personal loss adjuster who can prepare and present your claim to your insurers. They’ll also be able to negotiate with them, organise interim payments from your insurers where necessary, attend insurer meetings and handle all correspondence. Read more about the incredibly useful support that a Loss Adjuster Assistance Insurance policy can offer for comparatively low premium.

HSE Assistance Inspection Assistance – An unannounced inspection or an investigation by HSE following an accident could have a serious impact on your business. We offer an insurance service that provides businesses regulated by the HSE with reassurance of knowing that should they need it, they’ll have 24/7, 365 days a year access to assistance to minimise any downtime and distraction. Your business will have cover to help meet the costs of a Health and Safety Executive intervention. Your team will also receive guidance from a health and safety expert to help you handle the Health and Safety Executive inspection process, review relevant documentation and to draft a response. If the HSE wish to conduct an interview under caution’ cover for legal fees to represent you are an added benefit. Read more about this low cost HSE Assistance Inspection Assistance solution that could prove highly valuable.

What types of specialist commercial vehicles can you provide cover for?

We can arrange insurance for commercial vehicles that are modified from standard, bespoke builds or with a specialist use. These may include:

  • Camera vehicles
  • Catering vehicles
  • Coach or commercial vehicle conversions
  • Cherry pickers
  • Dog grooming
  • Exhibition vehicles
  • Ice cream vans
  • Mobile barista vehicles
  • Mobile cinemas
  • Mobile cranes
  • Mobile high pressure washers
  • Mobile media centres
  • Private ambulances
  • Road sweepers
  • Sound labs
  • White line marking vehicles

Commercial drivers aged 25 to 75 are typically accepted on these vehicles but underwriters will consider all ages upon referral, along with all levels of claims history irrespective of fault and all driving convictions.

Is cover available for non standard business uses on commercial vehicles?

As well as typical business uses, we can also insure commercial vehicles in connection with non standard and hazardous occupations, such as pyrotechnics or asbestos removal.

What aged drivers can be insured to use commercial vehicles?

Drivers aged 25 to 75 are typically accepted on commercial vehicle policies but underwriters will consider all ages upon referral, along with all levels of claims history irrespective of fault and all driving convictions.

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