Commercial Motor

Services:

Motor Insurance

Comprehensive - The widest cover insuring you for accidental damage to your vehicle, fire or theft and for any claims made against you by third parties.

Third Party Fire & Theft - This is comprehensive without damage cover to your vehicle. The cover is for fire, theft or claims against you by third parties.

Not advisable if your vehicle would cost a lot to replace.

Goods in Transit Insurance (see Transit Express below)

All Risks Cover - This is suitable where you do not operate under any conditions limiting your liability. The full value of your load is insured so it is important to set the limit high enough to cover any eventuality. The cover is for damage, fire and theft to goods carried subject to a small list of exclusions.

Liability Cover - This is in the terms of any conditions you may choose to operate under. Many hauliers use the Road Haulage Association conditions which limit liability by contract. You can of course operate under any conditions you choose and insurance can be arranged accordingly. In this situation you are not insuring the goods (as in all risks cover above) but your liability.

Public Liability - This insurance covers any claim made against you in the course of your business for injury or damage to third parties. The motor insurance covers liability in connection with the vehicle, but if you injure anyone or cause damage to third party property away from the vehicle you can be liable for damage.

Employers Liability - This insurance is mandatory for anyone employing other people. An employer has responsibility by law to ensure that employees work in a safe environment and anyone injured at work can seek compensation from the employer.

Property Insurance - Generally needed to cover any premises you own, even if you do not own the building. You would need to insure plant, machinery, fixtures and any stock, for a wide range of perils such as fire, explosion, flood or theft, for example loss of income following a fire can be insured whilst you get back on your feet.

Goods In Transit / Liability Package

introducing... TRANSIT EXPRESS

A new and unique package for hauliers with unrivalled cover featuring:-

• All risks goods in transit
• The most up to date cover in the market
• Strike and road block cover
• Personal effects
• Employers and public liability

The benefits to you and me are:-

• Extra cover at no additional cost
• Specially negotiated rates which include employers and public liability insurance at much reduced cost
• The backing of the world's largest insurer
• Experts with over 30 years experience to help you when claims arise