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Commercial Vehicle Insurance

Commercial vehicle insurance articles

Close-up of a car’s exterior door handle with reflections and side mirror in soft focus, parked indoors

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’.

White delivery van navigating a snowy, curving road through a winter forest with blowing snow and low sun

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

White coach bus speeding through a city at night with motion blur and streaking lights

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.

Multiple trucks and cars merging on a motorway in bright daylight with strong sun glare reflecting off windscreens

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.

Close-up of a London black cab with the taxi sign lit, reflecting red neon lights outside a busy venue at night

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.

Black cab with lit taxi sign outside a neon‑lit restaurant at night 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.

SUV driving along a narrow mountain pass in the Lake District with dry-stone walls and sweeping valley views

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.

Mechanic in safety gear crouching beside a semi-truck, tightening wheel lug nuts with a large wrench

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.

Line of white semi‑truck tractors parked in a logistics yard under a clear blue sky

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.

Delivery driver in a van filling out paperwork on a clipboard with parcels on the seat

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

Delivery driver in a van filling out paperwork on a clipboard with parcels on the seat

‘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.

White semi‑truck with box trailer driving on an open highway at dusk with mountains and sunset clouds

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.

A person signing a document with a pen on a wooden desk beside a laptop

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.

White semi‑truck driving on a highway under a bright sun with blue sky and clouds

‘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.