Commercial vehicle insurance in Cardiff
Cardiff's commercial fleet is a capital city's mix — construction and civils vehicles on the regeneration sites, courier and delivery fleets serving the retail and stadium trade, and the vans of every trade that keeps a growing city moving.
Where the risks come from for Cardiff businesses
Scale is the theme. Fleets running multiple vehicles across a busy urban area accumulate frequent low-value knocks, and construction vehicles add site exposures — overloading, tipping incidents and damage on rough ground — that a standard van policy never contemplates.
A Cardiff example
A Cardiff groundworks firm had a tipper involved in an incident while discharging on an uneven site, damaging the vehicle and a boundary structure. Cover written for site use, not just road use, was what let the claim proceed without argument.
What commercial vehicle insurance covers
Cover spans the vehicles, third-party liability, tools and plant, and construction-specific terms for site work, all on a fleet schedule with any-driver flexibility and one renewal date. Goods in transit is added where materials are carried.
Placing it in Cardiff with Apex
Apex places Cardiff fleet and commercial vehicle cover independently, authorised by the FCA under FRN 724952 and broking since 2009. A named broker builds the fleet to how the vehicles actually work — road and site — backed by 30-plus markets and Lloyd's via wholesale.
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Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.