Commercial vehicle insurance in Wells
Wells is England's smallest city, a Somerset cathedral town on the edge of the Mendips, and its commercial vehicles are those of a compact place with a rural hinterland — artisan and trade vans, agricultural transport, and the supply vehicles serving a tourist centre. The hills and the tight old streets both feature.
Where the risks come from for Wells businesses
The Wells exposures come from terrain and tight space. The Mendip roads are steep, and a laden vehicle descending puts strain on brakes; the market square and narrow city streets are awkward for anything large; and rural lanes surround the town. A brake or a mirror is as likely to be the problem as another vehicle.
A Wells example
A trade van descends a steep Mendip road towards the city with a full load. The brakes overheat and lose their bite on the long hill, and the driver has to nurse the van to a stop against a verge, clipping a wall as he does. No one is hurt, but there is own-vehicle and third-party damage and a nervy few seconds on a serious gradient.
What commercial vehicle insurance covers
A commercial vehicle policy covers both the hill and the high street. Third-party cover — required by law — meets the damage to the wall or another vehicle; comprehensive cover repairs your own van; and recovery cover helps when it stops somewhere awkward. Theft, fire, tools and glass cover fill in around it, and several vehicles can share one fleet policy.
Placing it in Wells with Apex
Apex is an independent commercial broker in Bristol, trading since 2009 and FCA authorised under reference 724952. We are not tied to one insurer, so a Wells trade or agricultural business's cover is placed across our thirty-plus markets, Lloyd's among them via wholesale, and handled by a named broker. Begin on 0117 325 0027.