Commercial vehicle insurance in Stroud
Stroud sits where five Cotswold valleys meet, a town of steep streets, artisan makers and independent trades, and its commercial vehicles are mostly the vans of those small businesses working the hills around it. The gradients shape the driving as much as anything.
Where the risks come from for Stroud businesses
The Stroud exposures owe a lot to the terrain. The town and its valleys are steep, and a vehicle parked carelessly on a slope is a genuine hazard; the lanes are narrow and winding; and small independent trades often run older vans where a worn handbrake or clutch is a real weakness. Gravity punishes the smallest oversight here.
A Stroud example
A maker parks his van on a steep street to unload, handbrake on but the ratchet worn. While he is inside, the van creeps, then rolls backwards down the hill, gathering speed until it comes to rest against a parked car at the bottom. No one is aboard, but there is damage to both vehicles and a lucky escape that could easily have been worse.
What commercial vehicle insurance covers
A commercial vehicle policy covers the vehicle whether or not you are at the wheel. Third-party cover — the legal minimum — meets the damage to the car it rolled into; comprehensive cover repairs your own van; and theft, fire and tools cover protect it and its contents at rest. Glass and recovery are straightforward to add, and several vehicles can be brought under one fleet policy.
Placing it in Stroud with Apex
Apex is an independent broker in Bristol, established in 2009 and regulated by the FCA under reference 724952. We are tied to no insurer, so a Stroud maker or trade's cover is placed with whichever of our thirty-plus markets suits a small business best — Lloyd's reachable via wholesale — and handled by a named broker. Call 0117 325 0027 to start.