Dial
Direct Commercial Vehicle Insurance
Commercial Vehicle Insurance from Dial Direct
Dial Direct specialise in the insurance of privately
owned cars. They also cover for owners of light commercial
vehicles and vans.
Commercial
use is defined as being the use of the vehicle for the transportation
of goods or passengers for reward, the hiring out of the vehicle
or use of the vehicle for paid driving instruction. A Dial
Direct policy can be arranged to provide cover for the carriage
of light goods only. This may include carrying goods from
a cash and carry to a shop; the delivery of books or printing
to a business address; use of the car for the delivery of
pizzas or flowers and the use of the car to provide a courier
service for documents.
The
calculation of premiums for commercial vehicle insurance differ
significantly from those applicable to private car insurance.
This is due to the large variety of commercial vehicles on
the roads and the increased capacity of these vehicles to
cause damage or injury because of their size and weight.
Insurers
are less able to use drivers as a premium determining factor
in commercial vehicle insurance as companies employing drivers
generally need a policy that will cover all of them to drive
all the company vehicles.
The
insurers must instead take into account:
- The
loaded weight of the vehicle
- the
nature and size of the load carried: Hazardous loads.
- the
addition of special equipment: Lifting ramps.
- the
goods carried: Is the load the carriage of other people's
goods?
Examples of commercial vehicles include:
- heavy
goods vehicles and car transporters
- mechanical
diggers and excavators
- ambulances
and hearses
- mobile
shops and canteens, delivery and ice-cream vans
- taxis
and hire cars
- buses
and coaches
For
further information on Dial Direct commercial vehicle
insurance visit the Dial Direct website.
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