Welcome to the Commercial Vehicle Insurance FAQ's.
Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quotation date.
Q: How far in advance can I get a quote?
You can obtain a quotation up to 60 days before you need cover to start.
Q: What if I don't know the date of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: What if I don't know the amount of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had?
You will need to supply details of all claims for all drivers of the vehicle which have occurred in the last three years, regardless of fault. Depending on the type of claims declared this may result in a quotation not being provided.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the policy summary. In addition, when you obtain a quotation any additional exclusions or conditions specific to you will be detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this policy are as follows:
Accidental Damage, Fire, Theft & Malicious Damage - £100
Windscreen - £50
Excess amounts are increased for drivers under the age of 25 and inexperienced drivers. For full details please refer to the policy summary.
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to us as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to us as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover ?
If you have a named driver policy the maximum number of named drivers is four plus yourself. If you require more people than this to drive, you can insure your vehicle on an Any Driver over 25 or Any Driver over 30 basis.
Q: What covers are available under this product?
The following covers are available:
Comprehensive
Third Party Fire & Theft
Third Party Only
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Certain covers, such as Protected No Claims Discount or a change of cover can only be applied mid-term if there is a change of vehicle at the same time.
