Commercial Products

Commercial vehicle

Covering the needs of small businesses and agricultural services in the Channel Islands Offering Comprehensive, Third Party Fire and Theft & Third Party Only cover, delivered through local underwriting capability and claims handling.

Risk Management

From consultation to driver training and dashcams, we offer support to help you manage risks and improve fleet performance.

Our expertise ensures you can tailor the cover and wordings to suit your needs.

Standard cover

  • £1m Third Party Property Damage limit

  • Emergency Treatment

  • Contingent liability

  • Driving abroad

  • Trailers

Key features

Third Party

Loss of or damage to the Vehicle (including its accessories and spare parts while on the vehicle) by collision, fire, theft or other accidental cause.

Third Party Liability for injury to persons including passengers - no financial limit.

Damage to property - up to £1 million.

Costs of Legal Defence - unlimited cover for the costs of legal representation at an inquest or in court following an accident, including the costs of defending a charge of manslaughter or death by dangerous driving.

Emergency Treatment fees as required by the Road Traffic Acts.

Contingency Cover for Employees’ Vehicles - covers your liability to third parties for employees using their own vehicles on your business in the event that the employee’s insurance does not protect you.

Trailers and agricultural machines are covered automatically (with a limit of £5,000 each for loss or damage cover) while attached by any means to an insured vehicle. If a higher limit is required or if cover is required on trailers while detached, such trailers must be specified in the policy and full details included on the attached Proposal Form.

Hiring is covered including driving by hirer’s driver and indemnity to hirer. Use while the vehicle is hired or lent to a Public Authority for driving stone crushing plant or for snow clearance is also covered.