Commercial Vehicle Insurance

At Performance Direct we provide business van insurance for a wide range of commercial businesses – from builders, decorators, plumbers, electricians and other ‘traditional’ trades, to mobile hairdressers, dog walkers, pest exterminators, mobile DJs, tree surgeons and many more! In every case, our van insurance quotes and cover reflects the specialist requirements of the specific business. The needs of a commercial builder and a hairdresser are obviously very different even if they both drive the same model of van! We understand the needs of professionals and their varied businesses and always look to provide the right commercial vehicle insurance scheme for your particular business. We also offer a range of other professional insurance schemes and are always happy to talk about business insurance with our customers.

So, quite apart from offering cheap van insurance, getting a van insurance quote from Performance Direct means you tap into our specialist business van insurance knowledge, gained over many years spent dealing with all aspects of commercial and small business insurance. We treat all of our customers on an individual basis and appreciate that there is no ‘one size fits all’ insurance policy, especially when it comes to business insurance and van insurance.

We’re commercial vehicle insurance specialists and it shows!

The papers aren’t so full of stories of ‘white van man’ and ‘white van ladies?’ as they used to be. This is probably because, nowadays, the stereotyped image simply doesn’t stand up to scrutiny. Whether or not it was ever true, the image of an objectionable, anti-social, Loads-a-money sort, is now simply outdated. From our point of view, as providers of business van insurance, the inference that these white van people were also bad drivers is simply untrue. In many cases, people who drive vans do it to be in business, they’re commercially minded and the last thing they want to do is to drive badly and have their van or truck off the road. Off the road means closed for business and, especially in challenging economic times, that’s simply not an option.

As we are a dedicated specialist commercial vehicle insurance provider we understand that no two people and no two businesses are the same. There are many business types which all require van insurance. So whether you are own a single delivery van or need to insure a fleet of cargo vans or even require truck insurance we do our best to find the right policy for your exact needs. At Performance Direct there is no ‘one cover fits all’ policy.

We take the time to get to know you and your business needs. Our team are insurance experts, but they are also business professional who understand the complete nature of insurance. A commercial vehicle insurance policy is of vital use to certain businesses – such as a delivery van or a cargo van businesses ­– which use their vehicle as an essential tool for the business. It is that understanding which helps us provide real and accurate business van insurance which include necessary features such as breakdown cover.

We also understand that business needs go far beyond commercial vehicle insurance and so we look to form real working relationships with our customers to ensure that they get the best deal possible on all their insurance. If you require a company scheme for instance that is something that we can happily discuss and provide. We also have a range of professional insurance schemes available that can interface with business van insurance, such as business health cover, employer’s liability insurance and professional indemnity insurance. We treat each and every business on their individual merits and appreciate that a business requiring truck insurance will need a different insurance scheme than say, one with a single small van. However we are determined to provide the best insurance and the best service no matter what vehicle, or how many, you want to insure.

Although everyone is looking for cheap van insurance, cheap van insurance quotes, or indeed any cheap insurance quotation, can be difficult to find these days. Commercial vehicle insurance prices, like all insurance costs, have increased significantly over the past few years as underwriters demand higher premiums from their clients.

So, although price comparison sites can allow owners to compare van insurance costs, the van insurance quote you get today may be higher than the van insurance quote you might have received just last year. The same is true of the whole automotive industry.

At Performance Direct, as an established motor broker with access to all the major UK underwriters, we’ll do the shopping around for you, making sure you get the best deal possible. Add this guarantee of value to our expert knowledge and you’ll see why so many people now choose us for their insurance.

Just as securing the best commercial vehicle insurance is best for your business making sure you secure the best van insurance or truck insurance deal is right for our business. From a single delivery van to a fleet of cargo vans our dedicated team of insurance enthusiasts will make sure to get the best deal possible for you and for your business. We also make sure to include features such as breakdown cover and no claims discount protection that are so important to have with any commercial vehicle insurance scheme.

At Performance Direct we have never forgotten that we are a business ourselves and look out for the interests of fellow UK businesses. If there is a way to save you money we will find it so, for instance, if you are looking for a company scheme we are able to discuss options with you to find the best van insurance that may also tie in with other professional insurance policies that we offer. We offer a range of insurance schemes that businesses need such as business health cover and employers’ liability insurance as well as professional indemnity insurance. We are always happy to discuss your individual business requirements and never look to simply give you a quick fix on your insurance as we know how vital van insurance in addition to other schemes, can be to a business.

So, give us a ring or get a quote online. We’d be happy to help you and to find you the very best business van insurance. Our commercial vehicle insurance experts are on hand to discuss your policy to make sure that you get the cover that is right for your business.

At Performance Direct we have a range of business van insurance schemes available to suit a variety of businesses. In fact, our commercial vehicle insurance schemes stretch beyond single van insurance. While other insurance brokers may only provide single vehicle insurance we can source a range of insurance policies for fleet or multi-vehicle business insurance needs. So if you have a number of cargo vans or need commercial truck insurance for your haulage business then we will have the right scheme for you and your business.

Simply get in touch and speak to one of our friendly and dedicated insurance specialists for your tailor made commercial insurance policy.

Laid out below is a guide to the key elements of one Van Insurance policy. At Performance Direct we have various schemes available so this is just one example of the cover we can provide. As we say, there is no ‘one size fits all’ scheme when it comes to business van insurance, or any commercial vehicle insurance policy, for that matter but understanding the detail of our schemes and their many features will help you to make a positive decision on insurance that is right for your business:

Standard Features
The following will automatically be included in your policy, according to the cover you have selected. This is a summary only – full terms can be found in the Policy Wording – a copy is available on request.

Features and Benefits
Personal Belongings

Audio and Navigation Equipment

Cover is provided for permanently fitted audio equipment.

Foreign Travel
Provides the minimum cover which is legally required to use your vehicle in all EU countries and any country which agrees to follow EU directives and is approved by the Commission of the European Union. Full cover can be provided subject to at least 14 days prior notification and the payment of an additional premium.

Windscreen Cover
We have special arrangements with leading windscreen companies to repair or replace your windscreen. Any payments made under this section will not affect your No Claims Bonus.

General Exclusions and Conditions
This is a summary only – full terms can be found in the Policy Wording.

Accidental Damage Fire and Theft Excess
The following policy excesses apply on top of the compulsory policy excess of £150 and any other excesses which may apply (which will be shown in your Policy Schedule)

Accidental Damage Fire & Theft Excesses Drivers aged 20 years or younger £250

Drivers aged 21 – 24 years £100

Drivers aged 25 years or over who hold Provisional licence or Full UK/EU licence for less than 12 months

Exclusions:

• Loss of or damage to your vehicle if the vehicle is:
  • unoccupied and the ignition key is in or on your vehicle or any door or opening has been left unlocked, or any security device not set
• Loss of use of your vehicle
• Loss of value of your vehicle following repair
• Mechanical, electrical and electronic fault, breakdown, malfunction, failure or breakage or claims arising from incorrectly re-fuelling your vehicle
• The unauthorised taking away of your vehicle by a family member or persons known to you
• Loss of or damage to your vehicle if any manufacturer fitted security device is not operational and used when you are not in your vehicle.

Cover does not apply if the vehicle is:

• being used for any purpose that your current Certificate of Motor Insurance does not permit
• being driven by any person who is not described in your current Certificate of Motor Insurance as a person entitled to drive
• in or on any part of any airport which is used for the take off and landing of aircraft
• being driven in an unroadworthy condition or without an MOT certificate, if one is necessary

The policy does not cover any consequence of :

• Loss, damage, cost or expense resulting from or in connection with an act of terrorism

Any questions on Commercial Vehicle Insurance, just ask!

We hope that that sheds more light on the high quality of van insurance that we offer but if you have any questions relating to commercial vehicle insurance or other professional insurance schemes then simply give us a call and one of our dedicated insurance specialists will be happy to help.

We have over 20 years’ worth of insurance experience to share and we are happy and able to pass that knowledge to our customers to help them get the best deal possible on their van insurance.

So what are you waiting for? Get in touch today and see how much you could save on your business van insurance cover with Performance Direct.