Liability on the road
Damage or injury your drivers cause while working. Limits may need to be higher for business use.
Insurance
Commercial & Fleet Insurance
Understand business vehicle risks, fleet types and a responsible provider handoff.
Your business
One vehicle or a fleet?
A single business vehicle
Tell the insurer exactly how it's used — for example visiting customers, carrying tools or making deliveries. Business use usually isn't covered by a personal policy.
- Who drives it, and for what work
- Tools or equipment kept in it
- Where it's kept overnight
Core coverage
Risks to think about by vehicle use
Vehicles and equipment
Damage to the vehicles, plus tools or fitted equipment where the policy includes it.
Goods in transit
Loss of or damage to goods you carry — often separate cover.
Coverage matrix
How needs change with use
| Consideration | Single vehicle | Fleet |
|---|---|---|
| Who can drive | Named drivers | Often any authorised employee, with conditions |
| Policy structure | One vehicle policy | One policy covering many vehicles |
| Claims history | The vehicle and driver | Across the whole fleet |
| Risk management | Basic | Driver checks, telematics and maintenance records may be asked for |
| Territory | Where the vehicle operates | Every operating area must be declared |
Prepare
Get your fleet information ready
Answer a few non-sensitive questions to build a checklist for your insurer or broker. Nothing is sent. DEMO
Next step
Continuing to a provider
In a supported market, you'd choose a verified insurer or broker, see exactly what would be shared and agree first. No verified commercial provider is connected in this demonstration.
Questions
Commercial & fleet questions
No. Commercial cover depends on your business and is assessed by insurers or brokers. This page helps you prepare.
Usually not. Most personal policies exclude business use beyond commuting. Check your policy and tell your insurer how the vehicle is used.
One policy that covers several vehicles under one business, often with more flexible driver rules. The number of vehicles needed varies by insurer.
If you carry goods for your business or for customers, motor cover often won't pay for loss or damage to them. Goods-in-transit cover is usually separate.
The insurer, sometimes through a broker. DriverXtra doesn't set prices, terms or eligibility.