Why do I need business vehicle insurance?
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. Our motor policy booklet (PDF 256KB) shows you all the benefits you can receive. Here are a few 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.