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Do you have the right commercial vehicle insurance?

March 2nd, 2017

Getting the right commercial vehicle insurance is essential for any business owner, whether you run a van, pickup, lorry, minibus, flatbed or anything else.

Here at the M4 Van Centre, we can help you get the best cover.


As far as covering the vehicle is concerned, commercial insurance follows the same general lines as car insurance – third party only, third party fire and theft (TPF&T)and fully comprehensive.

Third party only cover is very rare these days as it only covers your liability for injury or damage to someone else and their vehicle – there’s no cover for you or your vehicle at all. As the name suggests, TPF&T adds fire and theft cover for you and your vehicle to third party liability cover.


As well as covering the vehicle against accidents, theft and fire you need specialist commercial insurance cover for the tyre of business you are running.

For example, a minibus for hire will need extra liability insurance to cover passengers while a tradesman using a panel van may need cover for goods in transit or tools and parts kept in the vehicle.


Comprehensive adds cover for you and your vehicle for accidental damage whether or not anyone else is involved. It usually has other valuable extras like courtesy vehicles and windscreen cover.

For someone in business, it might be worth choosing comprehensive cover as any extra cost will more than be paid back because you can carry on working.

In fact, comprehensive cover is often very close to the TPF&T price and sometimes cheaper. This is because high-risk drivers tend to choose it, so insurance companies have raised premiums to cover their losses.


We’ve joined forces with number one insurance broker A-Plan to bring you the best commercial insurance at the lowest price. Click here to get your instant quote.

M4 Van Centre, M4 Minibus Centre part of the Tom Gallagher Group Ltd.

Registered in England and Wales, registered number: 04279824 | VAT number: 758 2924 92

Registered Office: M4 Service & MOT Centre, Westmead Industrial Estate, Swindon, Wiltshire, SN5 7YT.

We are Regulated and Authorised by the Financial Conduct Authority. Ref no: 665278

We are a Credit broker not a Lender.

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