Motor commercial cover is geared for automobiles used for business purposes. It is a comprehensive policy that comes with capped excesses, higher inner limits and optional extensions. Motor Commercial insurance has several classifications: –

• Motor Commercial Own Goods – used for insured’s business and not for hire and reward. This is a comprehensive cover that protects the vehicles used by your business for commercial purposes. This includes, but is not limited to minibuses, trucks, tractors, and fleets of vehicles. Our policy has three levels of cover from which you can choose from: Third-Party Only, Third-Party Fire & Theft and Comprehensive.
• Motor Commercial General Cartage – This insurance offers protection to the insured against third party’s death, bodily injury and/or property damage as well as loss/ damage to your vehicle due to accidental fire, theft or an accident. Vehicles under the general cartage category are vehicles used in the transportation of the goods of the insured and/or other parties.
• Motor Commercial Institutional Vehicles – Covers accidental loss or damage to insured motor vehicles and/or death, bodily injury or loss or damage to property of third parties arising out of use of motor vehicles owned and/or operated by the insured. Covers institutions that use their vehicles for their business purposes.
• Motor Commercial Cartage Tankers – It provides comprehensive commercial vehicle insurance to individuals and businesses against accidental loss or damage for your tanker specifically used for the carriage of petroleum products including legal liability to third parties. You can cover a fleet or an individual tanker.
• Motor Commercial Special Types (Agricultural & Forestry) – This is an insurance cover that protects the vehicles used for special purposes. This includes, but is not limited Agricultural and Forestry Vehicles (Tractors, Harvesters Etc). Our policy has three levels of cover from which you can choose from. Third-Party only, Third-Party Fire & Theft, and Comprehensive.
• Motor PSV Private Hire – The cover is given for vehicles used for private hire which are chauffeur driven.
• Motor Private Taxis (Chauffeur Driven) – This covers passenger service vehicle and offers protection against accidental damage, fire, theft, third party liability and passenger liability. The vehicle must be fully compliant with the PSV rules.