What is insured?
Your commercial vehicle insurance can consist of three types of insurance:

• Third-party liability insurance
  This is compulsory and insures against damage caused to third parties. For instance, you are covered if someone is injured or killed, or if property is damaged by your commercial vehicle.
  
• Accidental damage insurance
  Partial accidental damage insurance: Insures against damage caused by theft, fire, natural events, rodents, glass breakage or vandalism.
  Comprehensive accidental damage insurance: As for partial accidental damage insurance, plus cover for collision damage to your own vehicle.
• Accident insurance
  Drivers and passengers are insured when using your insured company vehicles. You are covered in the event of death or temporary or permanent disability resulting from an accident involving the insured vehicle.

What supplementary cover can you take out?
You can add some attractive supplementary forms of cover on top of your commercial vehicle insurance:

• Waiver of right of recourse in the event of gross negligence: With this extra, we waive the requirement for you to pay part of the losses yourself in the event of gross negligence for events caused by the insured driver.
• Items transported in the vehicle: All personal or professional belongings of the driver and passengers transported in the vehicle are insured.
• Glass plus cover: Where this is taken out, all other damage to glass or glass-like materials (e.g. exterior mirrors, headlights or bulbs) on your vehicle is covered in addition to the standard glass breakage insurance. Internal defects and normal wear and tear are excluded.
• No-claims bonus protection: The first loss reported in any year does not affect your premium.