What basic cover is available?

• Third-party liability insurance
  This is compulsory and insures against damage caused to third parties. For instance, you are covered if someone is injured or killed, or if property is damaged by your commercial vehicle.

• Accidental damage insurance
  
  Partial accidental damage insurance:
  Partial accidental damage insures against damage caused by theft, fire, natural events, rodents, glass breakage or vandalism.
  
  Comprehensive accidental damage:
  Comprehensive accidental damage cover comprises partial accidental damage plus cover for collision damage to your own vehicle.

• Accident insurance
  Drivers and passengers are insured when using your insured company vehicles. You are covered in the event of death or temporary or permanent disability resulting from an accident involving the insured vehicle.

What supplementary insurance is available?
You can select the following supplementary cover as part of our commercial vehicle insurance:

• Waiver of right of recourse in the event of gross negligence: We waive the requirement for you to pay part of the losses yourself in the event of gross negligence for events caused by the insured driver.
  
  
• Items transported in the vehicle: Insures all of the driver and passenger’s private or professional belongings within the vehicle.
  
  
• Glass cover plus: Where this is taken out, all other damage to glass or glass-like materials (e.g. exterior mirrors, headlights or bulbs) on your vehicle is covered in addition to the standard glass breakage insurance. Internal defects and normal wear and tear are excluded.

What extras are available?
You can conclude commercial vehicle insurance with many attractive extras:

• No-claims bonus protection: The first loss reported in any year does not affect your premium.
  
  
• Attractive newcomer bonus: You will receive a small bonus right from the start when you insure multiple drivers with us.