Commercial vehicle insurance in London

London's commercial traffic is the country's densest and most varied — multidrop couriers, private-hire cars, construction fleets and every trade, all navigating congestion charging, low-emission zones and streets where a vehicle is rarely still for long.

Where the risks come from for London businesses

Congestion defines the risk. In near-constant slow traffic, low-speed collisions and cyclist conflicts are frequent, kerbside loading exposes vans to break-in and penalty, and the sheer intensity of the city drives claims frequency far above a provincial round.

A London example

A London courier collided with a cyclist while pulling in to make a drop, bringing an injury claim on top of the vehicle damage. Third-party injury cover at an adequate limit — the core of any proper commercial motor policy — was what stood behind it.

What commercial vehicle insurance covers

Cover here has to answer the vehicle, third-party and injury liability, goods in transit for multidrop loads, and hire costs to keep a round running. Use class matters enormously — hire-and-reward, carriage of own goods or carriage for hire each need pricing correctly.

Placing it in London with Apex

Apex places London commercial vehicle and courier cover independently from its Bristol base, FCA-authorised under FRN 724952 and broking since 2009. With more than 30 markets — Lloyd's included through wholesale — a named broker gets the use class and liability limits right for the toughest operating environment in the country.

Related

• Business insurance London
• Public liability insurance London
• Employers liability insurance London