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In many respects commercial motor insurance is similar to private motor insurance. However, there are some differences. The Company shall not be liable to pay for loss or damage to motor vehicle while being used as a Tool of Trade, damage caused by overloading or strain, or damage to tyres unless the motor vehicle is damaged at the same time.
Liability to Third Parties indemnity is also provided while the insured vehicle is towing a disabled vehicle (not for hire or reward). While damage by the towed vehicle in the process of being towed is covered, it should be noted that damage to the towed vehicle itself is not covered. Also, there is exclusion in respect of 'damage to any bridge, weighbridge or viaduct or to any road or anything beneath caused by vibration or weight of the vehicle or its load.'
Most of the additional benefits under the private motor policy are not available under the commercial motor policy. The windscreen breakage extension and special perils may be included for additional premium.
The above explanations give a summary of the type of cover available. For full details, including the exclusions and conditions that apply, please contact us at any of our offices.