Commercial Vehicle Insurance

Commercial Vehicle

Our commercial vehicle policy is aimed at tradespeople with vehicles weighing up to 3.5 tonnes. We can tailor the policy to suit your clients, including quotations for multi-vehicle risks.


What the Commercial Vehicle policy covers

  • Third-party damages and liabilities up to £5m and legal defence costs
  • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning, or explosion, and theft or attempted theft
  • No radius limits
  • Recovery costs following an accident
  • Audio equipment up to 10% of the vehicle’s market value up to £500
  • Satellite navigation equipment up to £500
  • Replacement locks and keys up to £300 without affecting no claims bonus
  • Foreign use in EU countries


  • Foreign use in non-EU countries, including transportation costs

Additional benefits of the Commercial Vehicle policy

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New vehicle replacement

When repairs exceed 60% of the market value, we will replace the vehicle with a model of the same specification.

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Guaranteed repairs

Comprehensive policyholders are guaranteed repairs for three years.

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Unlimited glass cover

Unlimited glass and windscreen cover through our approved replacement service.

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Discounted premiums

Discounts are available for limited mileage policies and for certain occupations.

Benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Specialist motor insurance underwriting done properly

KGM has been using its expertise to solve specialist problems for over 60 years.

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A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 02085301811. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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