Commercial vehicle insurance in Torquay

Torquay, the heart of the English Riviera, runs on tourism and hospitality, and its commercial vehicles serve that trade — catering and hotel-supply vans, coach and tour transport, and the fleets that keep a resort fed and stocked. Its steep, terraced streets shape much of the driving.

Where the risks come from for Torquay businesses

The Torquay exposures owe a lot to the town's hills. Steep seafront gradients test hill-starts and handbrakes, especially in a laden van; the tourist season brings crowds and congestion; and hotel deliveries mean frequent stops on awkward slopes. A vehicle that slips on a gradient among summer crowds is a serious matter.

A Torquay example

A supply van pauses on a steep hill above the seafront, waiting to turn into a hotel entrance. The clutch slips on the hill-start and the van rolls back a couple of yards into the car behind before the driver catches it. Minor damage, but on a busy tourist gradient it could as easily have been a pedestrian — and it is still a third-party claim.

What commercial vehicle insurance covers

A commercial vehicle policy meets both the minor and the serious. The legally required third-party cover answers for the vehicle behind and any injury; comprehensive cover repairs your own van; and fire cover matters for a catering vehicle carrying cooking equipment. Theft, contents, glass and recovery are added as needed, and several vehicles sit best on one fleet policy.

Placing it in Torquay with Apex

Apex is an independent broker in Bristol, in business since 2009 and FCA authorised under reference 724952. We are not tied to one insurer, so a Torquay caterer or supplier's cover is placed across our thirty-plus markets — Lloyd's included via wholesale — and handled by a named broker rather than a queue. Call 0117 325 0027 to start.

Related

• Business insurance Torquay
• Public liability insurance Torquay
• Employers liability insurance Torquay