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Commercial Vehicle
and Van Insurance
Dial Direct specialise in the insurance of privately
owned cars. We also cover for owners of light commercial vehicles and vans.
Commercial use is defined as the use of the vehicle for the transportation
of goods or passengers for reward, the hiring out of the vehicle or use of
the vehicle for paid driving instruction. Of these, a Dial Direct policy can
be arranged to provide cover for the carriage of light goods only. For example
this may include carrying goods from a cash and carry to a shop; the delivery
of books or printing to a business address; use of the car for delivering pizzas
or flowers; and, the use of the car to provide a courier service for documents.
The calculation of premiums for commercial vehicle insurance and van insurance
differ quite significantly from those applicable to private car insurance.
This is due to the large variety of commercial vehicles on the roads and the
increased capacity of these vehicles to cause damage or injury because of their
size and weight.
Insurers are less able to use drivers as a premium determining factor in commercial
vehicle insurance and van insurance as companies employing drivers generally
want a policy that will cover all of them to drive all the company vehicles.
The insurers must instead take into account:
- The loaded weight of the vehicle
- the nature and size of the load
carried e.g. Hazardous loads.
- the addition of special equipment
e.g. Lifting ramps.
- the goods carried e.g. Is the
load the carriage of other people's goods?
Examples of commercial vehicles include:
- heavy goods vehicles and car transporters
- mechanical diggers and excavators
- ambulances and hearses
- mobile shops and canteens, delivery
and ice-cream vans
- taxis and hire cars
- buses and coaches
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