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Does the Age of a Vehicle Affect Your Business Vehicle Insurance Premium?
If your business owns or operates vehicles, you may wonder whether the age of those vehicles affects how much you pay for insurance. The short answer…
Business & Commercial Vehicle Insurance
Business & Commercial Vehicle Insurance
Flexible commercial vehicle insurance for businesses of all sizes. From a single working vehicle to a growing commercial operation, we'll help you find cover built around your vehicles, drivers and how your business uses them.
Flexible commercial vehicle insurance for businesses of all sizes. From a single working vehicle to a growing commercial operation, we'll help you find cover built around your vehicles, drivers and how your business uses them.
One Vehicle or FleetBuilt Around Your BusinessCommercial Motor Specialists
Compare from 20+ Insurers
Talk to a specialist 0330 808 1900
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Cover for every type of business vehicle
Cover for every type of business vehicle
Compare our main vehicle products and find the option that matches how your business actually operates.
Compare our main vehicle products and find the option that matches how your business actually operates.
Business Car Insurance
For cars used throughout the working day Cover for client visits, meetings and travel between sites. Suitable for employees, directors, professionals and self-employed drivers.
Business Van Insurance
Keep your working van moving Cover for vans carrying tools, equipment or goods. Suitable for tradespeople, service businesses, deliveries and everyday commercial use.
Fleet Insurance
One policy for multiple vehicles Suitable for businesses operating several cars, vans, trucks or mixed vehicle fleets with multiple drivers.
HGV & Truck Insurance
Specialist cover for heavy commercial vehicles. Designed for HGVs, trucks and lorries used in haulage, logistics, distribution and other commercial operations.
Minibus Insurance
Cover for regular passenger transport Suitable for businesses, schools, charities and organisations using minibuses to transport employees, customers or other groups.
Plant & Machinery Insurance
Protection for specialist working vehicles Cover for plant, machinery and mobile equipment used in construction, industrial, agricultural and engineering environments.
What is business vehicle insurance?
Business vehicle insurance covers vehicles used for work beyond ordinary commuting or personal use. What counts as “business use” and which policy you need depends on the vehicle, how it's used and who drives it.
The type of policy you need will usually depend on:
What type of vehicle you operateWhether you carry goods, tools or passengersWho owns itWho drives itWhat it is used forHow many vehicles you need to insureDifferent commercial activities can require different types of motor insurance, which is why accurately explaining how your vehicles are used is important.
Which business vehicle insurance do you need?
Which business vehicle insurance do you need?
Business vehicle insurance isn't one single type of policy. The right cover depends on what you drive, who drives it and what the vehicle does for your business.
Business vehicle insurance isn't one single type of policy. The right cover depends on what you drive, who drives it and what the vehicle does for your business.
| Product | Best for | Vehicles | Common use | Fleet | Multi-driver | Goods | Passengers |
|---|---|---|---|---|---|---|---|
| Business Car Insurance | Cars used for work | 1-5 | Meetings, client visits, staff travel |  |  | | |
| Business Van Insurance | Commercial vans | 1-5 | Trades, tools and deliveries | | | | |
| HGV & Truck Insurance | Heavy commercial vehicles | 1+ | Haulage and logistics | | | | |
| Minibus Insurance | Passenger vehicles | 1+ | Schools, charities, staff transport | | | | |
| Plant & Machinery Insurance | Specialist equipment | 1+ | Construction and industrial work | | | | |
| Fleet Insurance | Multiple or mixed vehicles | 2+ | Centralised vehicle management | | | | |
Still unsure which product is right for you?
Call 0330 808 1900
What affects the cost of business vehicle insurance?
There isn't one standard price for business vehicle insurance.
Insurers can consider factors including:
Type and number of vehiclesBusiness activityVehicle useAnnual mileageDriver ages and experienceClaims and driving historyVehicle valuesOvernight location and securityLevel of cover selectedProviding accurate information helps insurers assess the actual risk presented by your business.
Choose cover based on how you work
Choose cover based on how you work
I visit clients or work locations
I carry tools or equipment
I deliver goods
I transport passengers
I operate heavy vehicles
I manage multiple vehicles
What can business vehicle insurance cover?
There is no single standard business vehicle insurance policy.
The level of protection depends on the insurer, vehicle and how it is used.
Cover built around how your business works
No two businesses use their vehicles in exactly the same way. The number of drivers you have, the vehicles you operate and the work they carry out can all affect the cover you need.
Whether you're insuring a single working vehicle or managing more complex requirements, we can help you explore commercial motor cover that reflects how your business actually operates.
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us what you need
Start online or give us a call and provide some basic details about the insurance you're looking for.
2
Talk to an expert
We'll confirm your information and get a clearer understanding of your requirements.
3
Compare your options
We'll explore suitable options from our insurer panel and explain the important differences.
4
Get covered
Once you're happy, we finalise your policy and send your documents so you're covered right away.
UK-based specialist advisersAccess to 40+ specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Business vehicle insights & guides
Business vehicle insights & guides
Practical advice to help you understand cover, manage vehicle risks and choose the right insurance for your business.
Practical advice to help you understand cover, manage vehicle risks and choose the right insurance for your business.
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Frequently Asked Questions
Frequently Asked Questions
Whether you know exactly what cover you need or you're not sure where to start, find quick answers to some of the questions our customers ask most.
Whether you know exactly what cover you need or you're not sure where to start, find quick answers to some of the questions our customers ask most.
We offer business car, company car, pool car, business van, HGV & truck, minibus, plant & machinery and fleet insurance, each built around how your vehicles are actually used.
Still have questions?
Our advisers are here to help you find the right solution.