Commercial Vehicle Insurance
Commercial vehicle insurance articles
Working with grey fleet vehicles and your responsibility as an employer
The employee is reimbursed on a pence per mile basis for using their private vehicle on business journeys. Vehicles used by employees under cash allowance schemes are considered grey fleet too’.
The hidden risk of snow and ice to commercial properties
As the months get colder, they bring with them snow and ice - which can be damaging to your property if you’re not prepared for them
Risk Update: Changes to TfL Safety Permit Scheme
As of 28 October 2024, more stringent road user vehicle safety features will be introduced to protect vulnerable road users in Greater London.
Reduce the Risk: Occupational Road Safety for Your Vehicles
Create a clear road safety culture with policies, risk assessments, method statements, driver training and telematics, focusing on maintenance, fit drivers, distraction and fatigue control, journey planning, weather risks, and robust incident reporting to cut collisions and insurance costs.
Qualifications to be a Taxi Driver
Local councils set different entry tests, but expect some mix of driving skills, knowledge/Cabology, English and maths/theory, plus PHV-specific topographical, speaking/listening and SERU assessments in London.
How To Start a Taxi Firm
Taxis are an extremely popular method of travel in the UK, with the number of registered taxis and private hire vehicles having increased by nearly 90% since 2005.
The Advantages and Disadvantages of Installing a Dash Cam
Dash cams can speed up claims and deter fraud but raise privacy/legal and distraction concerns—ensure compliant installation, GDPR/ICO obligations, and clear driver/passenger notices before adopting.
Beware Crash for Cash Scams
Stay alert to staged rear-end collisions, keep safe distance, use dash cams/telematics, document scenes thoroughly, and report suspicions to insurers and police to deter ‘crash for cash’ scams and protect premiums.
Guide to CPC Training
Driver CPC is a legal requirement for most professional lorry, bus and coach drivers: complete 35 hours of training every five years (initial four-module route for new drivers; periodic training for renewals), with substantial fines for non‑compliance and approved courses available via recognised centres.
Reducing the Risks of Using Agency Drivers
For some transport companies, agency drivers are a vital component of a flexible workforce. This article provides some tips on how to reduce the risks that come with using agency drivers
‘Commercial considerations’ transit insurance extension
A low-cost add-on that lets hauliers make goodwill settlements when not strictly liable, but with tight per‑event and annual limits and void if disclosed to customers—use sparingly, not as a replacement for full responsibility cover.
Goods-in-transit – Are you liable for consequential losses?
Consequential losses are usually excluded or tightly limited under hauliers’ liability, so protect the business by using robust contract conditions (e.g., RHA) that cap liability to carriage charges, or if full value is requested, agree a higher per‑tonne limit under those conditions rather than taking unlimited exposure.
DVLA Licence Validation
To reduce risk in your car hire business, it’s essential to thoroughly check each of your customer’s licences to make sure they are who they say they are and ensure that their licence is not fraudulent.
‘Full Responsibility’ Transit Insurance
Full-responsibility (all‑risks) goods‑in‑transit cover pays for damage whether or not the haulier was negligent, but operators should still set contract limits (max consignment value and exclude consequential loss), ensure the policy load limit matches potential shipment values to avoid average reductions.