
Commercial Vehicle Insurance
Commercial Vehicle Insurance
Commercial vehicle insurance provides cover for the vehicles your business uses to carry out its operations. It provides you with the confidence to get on with running your business knowing you are protected in the event something goes wrong.
Commercial vehicle insurance is specially tailored to suit your business, from the mix and types of vehicles you use, to who drives them.
Commercial vehicle insurance provides cover for the theft of your vehicle if it is damaged or is involved in a fire. You can choose to include cover for your trailer, tools and third-party trailers. Extras such as windscreen cover, no claims bonus protection, open driving (25 – 70 years of age) are also available.
With robust coverage, competitive premiums and expert advice on tax and CVRT matters, your Sheridan Insurances broker is your ideal commercial vehicle insurance partner.

The typical policy will include cover for the following (limits may apply to some items):
- injury to other people or damage to their vehicles or property
- loss or damage to your vehicle
- accident recovery service
- medical expenses
- fire or theft
- continued cover while your vehicle is being serviced or repaired
- keys that are lost or stolen (Comprehensive cover only)
- broken windows and windscreens
- towing a trailer
Request a Quote
Speed up your quotation by filling in our online commercial vehicle insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
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Other types of commercial vehicle insurance we offer…
Meet the team

Kelley Crowe
Insurance Broker

Niall McEnroe
Insurance Broker

Benny Sheridan
INSURANCE BROKER
At Sheridan Insurances, our brokers are dedicated to supporting your business with customised insurance that gives you peace of mind you are covered in the event of an accident, loss or claim.
With access to a wide range of insurers and in-depth knowledge of insurance products and policy terms, we can help you find the right cover for your haulage business, no matter the size or your requirements.
Your benefits…
Commercial vehicle insurance from Sheridan Insurances comes with a variety of benefits such as:
More than 40 years in business for an experienced and knowledgeable approach
In-depth understanding of policy terms to help you navigate the small print
Expert advice on tax and DOE issues
Considerable savings where a bundled package costs less than the total cost of all the individual covers
Commercial Vehicle Insurance FAQs
We want to make sure you know exactly what commercial vehicle insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers.
Did you know?
- A small number of insurers require you or your business to be VAT registered to get commercial motor insurance.
- There has been a significant increase in cross-border trade of imported write-offs in recent years. We can help you determine the origin and status of any commercial vehicle, so you do not fall victim to buying a previously crashed or damaged vehicle.
- Previously a company could only get fleet insurance cover for a minimum of five commercial vehicles. This restriction has now been lifted and businesses can obtain fleet cover for a minimum of three commercial vehicles.
- 3rd party only cover for driving of other commercial vehicles can be included as part of your commercial vehicle policy with some insurers.
Does fleet insurance cover open drive?
Your fleet insurance policy will provide cover for open driving providing the driver has the policy holder’s permission and holds a full clean driver’s license; if not, the advice of your insurer should be sought. The policy holder is required to keep a front and back copy of the drivers’ licenses for the period of insurance. You should always check your policy terms to understand your specific cover for open drive; if you need help, please contact a Sheridan Insurances broker.
Are drivers covered for accidental injury in a vehicle accident?
No, drivers are not typically covered for accidental injury if they are in a motor accident. Speak to your Sheridan Insurances broker about a Personal Accident policy that can be taken for individual drivers, or a group policy if there are several drivers in the company.
How much is commercial vehicle insurance?
The cost of your commercial vehicle insurance will depend on several factors such as the no claims bonus, penalty points history, an up to date CVRT, the type of vehicles you need insured, and what the vehicle is used for. Every policy is tailored uniquely to the needs of the business and its vehicles; there is no one-size-fits-all policy and flat rate. Talk to your Sheridan Insurances broker to find out more.
Will my commercial vehicle insurance cover my tools and equipment?
Why do I need commercial vehicle insurance?
A standard personal vehicle insurance policy will not provide cover for any vehicle that is used for work purposes. As a result, your work vehicle will not have the same protection as it would under a commercial vehicle policy, leaving you legally exposed in the event something goes wrong. Commercial vehicle insurance protects you for travel between locations for work, if you drive staff or use your vehicle for any work purposes. It is a statutory requirement to have minimum third-party insurance under the 1961 road traffic act.
What types of other commercial vehicles will a commercial vehicle insurance policy cover?
- Vans
- Pick-up trucks
- Double cabs
- Modified vehicles
- Imported vehicles
- Trucks and HGVs
- Tippers
- Food trucks
- Refrigerated vehicles
- Hazardous goods vehicles
- Couriers
- Motorised horseboxes
How to talk to us…
Request a Quote
Speed up your quotation by filling in our online commercial vehicle insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.
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