Small Business Vehicle Insurance

As a broker we’re here to help you find the insurance you need to keep your business moving, by protecting your business and commercial vehicles should things go wrong.

Get a fast, no obligation quote today 0330 134 4704 Get a quote

Small Business Vehicle Insurance

As a broker we’re here to help you find the insurance you need to keep your business moving, by protecting your business and commercial vehicles should things go wrong. In fact, we’ll help make finding the right small business vehicle insurance – for single vehicles, or fleets of up to eight ‒ as easy as 1, 2, 3.

Why Small Business Commercial Vehicle Insurance is Important

If you rely on one or more commercial vehicle for the normal running of your business, you’ll know that incidents and accidents can be disastrous. From theft and third-party damage to misfuelling and lost keys, mishaps that takes a business car or business van off the road ‒ can disrupt everything from deliveries to the simple job of visiting customers.

Whether your commercial vehicles are cars or vans, a mixture of both or more specialised, keeping them on the road may be vital to your business. Covers like small business car insurance, small business van insurance, commercial truck insurance, small fleet insurance, and light goods vehicle insurance are there for eventualities just like these, and to help get you moving again, quickly.

Of course, the protection offered by commercial vehicle insurance doesn’t end there. It should also protect you if an accident leaves you liable for injuries sustained by a third party, covering legal defence costs – and for damage to third party property. There are also those driving your cars, vans or LGVs to consider too. The right commercial vehicle insurance should also offer personal accident cover and help pay for medical expenses following an accident.

Optional covers*

  • Third party liability.

  • New for old.

  • Personal accident.

  • Accidental misfuelling.

  • In-vehicle safety technology.

  • Replacement locks.

  • Child seats replacement.

  • Legal protection.

  • Pay on use breakdown cover.

  • Personal belongings.

  • Medical expenses.

  • Occasional business use.

Commercial Fleet Insurance

Commercial vehicle insurance for small fleets can also make managing your vehicles easier. For instance, small business fleet insurance cover gives you a single policy covering all your vehicles, with one renewal date – which is much simpler than managing several separate policies. What’s more, when you insure or renew your small business fleet with smei you get help to find the right cover at the right price – and we’ll get everything set up and ready to go quickly.

Commercial Fleet Insurance Available Covers**

  • Cover for a wide range of cars, vans and other business vehicles.

  • Cover for any driver aged 18, 21, 25 or 30 and above (depending on vehicle type).

  • Fully comprehensive cover including windscreen repair and replacement.

  • Motor legal expenses.

  • Breakdown cover available from some insurers.

  • Cover available for drivers with motoring convictions, driving offences and modified vehicles.

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4704

About Commercial Vehicles

It’s hard to overstate the importance of commercial vehicles, not just to individual firms, but to society in general. The scale of that impact on everyday life is reflected in the fact that, in Britain today, some five million goods and service vehicles help drive the economy.

That is not lost on the wider public. Recent research found that 9 out of 10 people in the UK feel reduced or restricted services from commercial vehicle driven services would significantly affect their quality of life,1 while 46% recognised they benefitted in some form from commercial vehicle related services in the previous 24 hours.1

In the small business sector, around two million sole traders depend on vans for their livelihoods.1  The so-called white van is a fixture on our roads and in our businesses. There are around 2.5 million on the road, each averaging an annual mileage of 9,426, and with an average contents value of £1,026.2

In recent years, the growth of online shopping has made commercial vehicles all the more important. In fact, the UK is home to the Europe’s largest online retail sector – UK customers spent more than

£65 billion on goods and services online in 2017,1 and commercial vehicles carry almost two billion tonnes of goods the length and breadth of the UK every year.1

All of which only serves to further highlight the importance of protecting those that rely on commercial vehicle fleets - and small business vehicle insurance can play an important role, protecting those businesses, their vehicles, and their customers against the unexpected.

Get a Small Business Vehicle Insurance Quote

Peace of mind comes with buying the right insurance, at the right price – quickly and without fuss. So let us help you find the small business vehicle insurance, small business van insurance or small business car insurance you need to protect your business. We will help you make the whole process as easy as 1, 2, 3 - so get in touch today for a quote.

If you run a business that requires a larger commercial fleet of vehicles, visit

Terms and conditions

*Optional cover may depend on insurer.
**Standard and optional cover may differ dependent upon insurer.



We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.


You will need to contact us quoting your policy number and we can then amend your details. Please note that the change of premises may affect the cost of your insurance.


Details on how to make a claim can be found in your policy documentation, however please feel free to contact us on 0330 134 4602 if you have any queries or would like some assistance.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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