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What Is Commercial Motor Insurance And What Does It Cover?

Commercial Motor insurance is the collective name used to describe all of the different types of policy for the different types of vehicles used by businesses for commercial purposes including Coaches, taxis, minibuses, trucks, tippers and HGVs. It also covers Fleet insurance too which is aimed at businesses with two or more vehicles. Commercial Motor policies come in three levels of cover; Third Party Only, Third Party, Fire & Theft or Comprehensive.

Features of Minibus & Coach Insurance From Moneycornershop.com

However you intend to use your Coach/Minibus, we’ll work hard to find an insurance solution to keep it on the road.

    • Any usage – We cover the whole spectrum of minibus use including personal use, private and contract hire
    • Any passenger – Whether you’re ferrying the passengers to the big game or workers to a site, we’ve got you covered
    • Cover for minibuses from 9 to 17 seats.
    • Coach cover available for larger vehicles & Coach Fleets available

Designed for one or more minibuses with between 9 and 17 seats, our service can cover all under one policy, with one set of paperwork. If you run a fleet and want to add or remove vehicles, simply give us a call and we can make the amendment, the same day. If you have larger vehicles we can cover these on our coach insurance policy too.

      • Public Liability Cover

In the event of a negligence claim from an injured third party, we have the right cover to protect against the unavoidable. We help you be proactive and ensure accurate measures are in place to be able to protect the company, employees and your vehicle if a claim is made. If the unfortunate occurs, we offer optional £1,000,000 – £10,000,000 public liability cover.

      • Breakdown cover included

If your minibus breaks down – don’t worry! We’ll make sure you and your passengers are safe with our breakdown cover. We have a nationwide network of approved mechanics, so whether you’re transporting children on a school trip or pensioners to the seaside, you’ll know you are in safe hands and they’ll get you back on the road quickly.

      • Legal Expenses Cover

We’ve teamed up with the RAC to now be able to offer RAC Legal Expenses, RAC Legal Care. If the unfortunate does happen and you are involved in an accident and you are not at fault, the policy will cover the cost of a solicitor to represent you and help to recover your uninsured loses.

Do You Undertake The Following Jobs?

If you are involved with the movement of any groups below we can help you find the most competitive rates available in the markets.

  • Schools
  • Charities
  • Health or Welfare Organisations
  • Youth Groups
  • Commercial Organisations
  • Residential Homes
  • Airport Transfers

Our Experience & Relationships

Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business.

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.
We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

Protect Your Passengers, Protect Your Business

Protecting you and your passengers is vital, whether you have one or a fleet vehicles. Choose the right level of cover for you with the help of our experts, who can talk you through the optional extras too. We ensure that you can travel with complete peace of mind.

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Moneycornershop.com has been covering fleets of all types and sizes for years, so we have the specialist knowledge that is required for your business.  We offer insurance for fleets of:

  • Minibuses
  • Buses
  • Coaches
  • Stage carriages
  • Charity and community transport
  • Mixed fleets – combining any of the above (and other vehicle types) into one fleet insurance package.

Commercial Motor Insurance Explained

If you use a taxi, minibus, van or even fleet of vehicles for your business then you will need commercial motor insurance, which is the collective name for all of these individual types of insurance cover involving vehicles used for commercial purposes.
When taking out your policy you can choose from three levels of cover. Third Party Only will cover any third party damage or injury claims made against your business in the event of an accident. It is worth noting that your vehicles will not be covered at all and all own vehicle repairs would have to be made at your expense, but this type of cover is the cheapest of the three. Third Party, Fire and Theft covers the same as Third Party Only but with added protection for your own vehicles for damage caused by fire or if they are stolen. Comprehensive on the other hand is the most expensive level of cover, however it will protect your own vehicles against any damage suffered during an incident.

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As well as the three cover levels you can also select the driving restrictions applied to them. You could have a Named Driver policy which will allow specific drivers named on the policy documents to drive specific vehicles. This is perfect if your drivers will only ever
need to drive specific vehicles.

Alternatively if you have a large number of drivers that may need to drive all of your vehicles, then you could benefit from an Any Driver policy, though this is usually more expensive as any driver within your business who holds a valid licence to drive the
vehicle can do so.
You may wish to consider setting an age limit so younger and less experienced drivers cannot be included. Similarly you may wish to avoid drivers with convictions. This type of policy is ideal for a busy company with multiple vehicles and many drivers such as a taxi firm, hauliers or a delivery company.

Your in Safe hands with Moneycornershop.com

Here are just a few of the other types of motor related policies we can offer cover:

  • Fleet Insurance
  • Commercial Minibus Insurance
  • Taxi Insurance
  • Truck insurance
  • Haulage insurance
  • Comprehensive Cover
  • Third Party, Fire & Theft
  • Third Party Only
  • Named Driver Policies
  • Any Driver Policies

Want To Get A Quote?

Want to find out more, speak to an expert or get a Commercial Motor insurance quote? Call our specialist team on 0330 043 0003 or click ‘Start Quote’ to find out how much you could save.


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