Commercial Vehicle Insurance

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Protection for your business vehicles

A comprehensive commercial motor insurance policy provides flexible motor vehicle insurance. Coverage extends to include cover for your own vehicle as well as Third Party Liability for injury or property damage arising out of the use of your business vehicle.

Risks Covered
  • Indemnity against Fire, Collision, Overturning, Malicious damage, Windscreen damage
  • ¬† Third Party Property damage
  • Third Party Bodily Injury and Death
  • Theft of the Vehicle
  • Accidental Loss of or own damage to the Insured Motor Vehicle
  • Theft of Accessories and Spare Parts and damage caused thereof
  • Legal Liability arising out of the use of the Motor Vehicle
Exclusions
  • Driving by unlicensed drivers
  • Use of the insured vehicle outside the uses that the policy permits
  • Contractual liability
  • War risks
  • Loss or damage to accessories and spare parts, unless on the insured’s vehicle
  • Wear and tear and depreciation
  • Loss of use
  • Mechanical and electrical failure or breakdown. It is only the part that fails which is excluded; any resulting damage to the vehicle is covered
  • Damage to tyres caused by road punctures or bursts
  • Using a vehicle in an unroadworthy condition

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