Commercial use is commonly defined as the use of the vehicle for the transportation of goods or passengers for reward and also covers the hiring out of the vehicle or use of the vehicle for paid driving instruction. With QuoteAVAn a policy can be arranged online to provide cover for the carriage of light goods only, which as an example may include carrying goods from Booker Cash and Carry to your shop; delivering your products to your customers; delivering pizzas or flowers and providing a courier service for documents. These are examples only and cover is also available for passenger vehicles so give us a call on 0800 330 8219.

The calculation of premiums for commercial vehicle insurance can differ quite significantly from 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. A number of other factors are taken into account as insurers are less likely to use drivers as the premium determining factor in commercial vehicle insurance. These include:

• Laden weight of the vehicle
• Nature of the load carried e.g. hazardous loads
• Addition of special equipment e.g. ramps

Commercial vehicles vary widely as the list shows:

• heavy goods vehicles
• delivery vehicles
• minibuses, buses and coaches
• private taxis and rental cars
• mobile shops, snack vans and ice cream vans

Companies will often specialise in one or more of these areas and QuoteAVan will be able to help you find cheap insurance through one of these companies.