Commercial Vehicle
Our Commercial Vehicle Insurance policy is designed for single vehicle contracts on a named driver basis only. We only cover Carriage of Insured’s own goods.
Why choose NIG for Commercial Vehicle?
- Screen based product.
- Single vehicle annual contract.
- Comprehensive and third party fire & theft cover available.
- For vehicles up to 3.5 tonne GVW only (4 tonne for electric vehicles).
- Use – Social domestic and pleasure (with and without commuting) and carriage of own goods available.
- Named drivers only.
- Maximum vehicle value for Comprehensive is £50,000 (£75.000 for electric vehicles) and TPFT at £8,000.
- Protected no claims bonus available with additional premiums.
- Full foreign use available upon request with additional premiums.
- Third party property damage is covered up to a maximum of £5,000,000.
What's covered
Comprehensive
Cover as third party fire and theft plus damage to your vehicle. An excess applies.
Third party fire and theft
Cover for liability to third parties (including passengers) in respect of compensation for injury or damage, legal costs and emergency treatment and for loss of or damage to your vehicle caused by fire, theft or attempted theft. An excess applies.
| Description | Comprehensive | Third party fire & theft |
|---|---|---|
| Fire excess | £150* | £150* |
| Theft access | £150* | £150* |
| Malicious damage excess | £150* | No cover |
| Vandalism excess | £150* | No cover |
| Accidental damage access | £150* | No cover |
| Windscreen cover | Unlimited | No cover |
| Windscreen excess (replacement) | £115 | Not applicable |
| Windscreen excess (repair) | Nil | Not applicable |
*For Tippers and Pick-Ups the excess is £300
This is a summary of the cover available. Please refer to the policy booklet for full terms and conditions.
Documents
The following policy documents apply to policies incepted on or after 2 September 2024 or renewal dates on or after 2 September 2024.
- Sales aid - 2 September 2024
- Policy wording - 2 September 2024
- Notice to policyholders - 2 September 2024
- Policy Information Document Van Insurance: Comprehensive - 2 September 2024
- Policy Information Document Van Insurance: Third Party Fire Theft - 2 September 2024
- Target market statement - 2 September 2024
- Fair value assessment - 12 December 2024
