
If you own vehicles in excess of 3.5 tonnes gross vehicle weight (GVW) then our Commercial Vehicle policy is probably for you. It also covers any “Special Types” such as electrically driven vehicles designed for the carriage of goods for business purposes, regardless of GVW. (eg a Milk float). Cover is provided for business use only – carriage of your own goods, carriage other than for hire and reward or carriage for hire and reward. We base the premium on the GVW, use of the vehicle, where it is kept and it’s value.
What types of vehicle can be covered?
The types of vehicle that can be covered under our Commercial Vehicle policy include:
In the case of "Special Types", specific examples include:
| Agricultural Sprayers | Lawnmowers |
| Ambulances | Lime Spreaders |
| Backhoe Loaders | Livestock Carrying Vehicles |
| Bulldozers | Loading Shovels |
| Compressors | Low-Loading Vehicles |
| Concrete Truck Mixer | Mobile Plant ie. self-propelled vehicles with plant permanently attached not specially mentioned |
| Cranes Mobile (rubber tyred) | Mobile Shops, Canteens and Surgeries |
| Cranes Site (tracked) | Mobile Work Platforms |
| Delivery Trucks - Pedestrian Controlled | Road Planing Machines |
| Dumpers - up to 3.8 cu metres capacity | Road Paving Machines |
| Dump Trucks & Dumpers over 3.8 cu metres | Road Rollers |
| Dust Carts | Road Sweepers |
| Electric Driven Goods Vehicles - constructed for road use | Scrapers |
| Electric Trolleys | Showmens Caravans |
| Excavators - tracked or rubber tyred | Snow Ploughs |
| Fire Brigade Vehicles except Private Cars, Goods Carrying Vehicles and Motor Cycles | Spraying Plant other than agricultural sprayers |
| Footpath Rollers | Straddle Carriers |
| Fork Lift Trucks | Tankers |
| Graders | Tar or Bitumen Sprayers |
| Gritting Machines | Three Wheeled Carriers not constructed for general road use |
| Gully Emptiers | Three Wheeled Carriers constructed for general road use |
| Hearses | Tractor Shovels (tracked or rubber tyred) |
| Horse Boxes | Trolleys and Good Carrying Tractors not constructed for road use |
What cover is available?
As with most vehicles used on and off the road, we offer the usual cover options, but with the policy tailored to reflect the nature of commercial and “special type” vehicles. The options are:
The Benefits of Tower Insurance Commercial Vehicles cover:
Documents: