Commercial Vehicles - Types of Insurance

There are 4 types of commercial vehicles to be insured:

• Goods carrying vehicles (small vans and trucks)
• Carriage of Passengers (taxis)
• Passenger Carrying Vehicles (busses and minibuses)
• Agriculture and Forestry Vehicles
• Vehicle of special constructions (ambulances - cranes)

Some forms of cover for Third Party policies are as follows:

• Unlimited cover for death or injury to third parties
• Loading / Unloading
• Indemnity to Drivers (Legal actions against driver)
• Indemnity to User and Indemnity to Passenger
• Legal Costs, medical expenses and PA
• Windscreen cover and loss of use

Some exclusions involve damages to goods (that should be covered under good in transit policies) and personal effects.

Roy Keyrouz - Insurance Professional