Commercial Vehicle (MHR) Insurance

Our Commercial Vehicle (MHR) product is suitable for drivers aged between 18 and 80 years old, builders, trade occupations and drivers looking to use their commercial vehicle in connection with work or a hobby. 

Features at a glance:

Uninsured Driver Promise

  • We refund the policyholder’s excess and protect NCD.

Vandalism Promise*

  • We protect the policyholder’s NCD.

30 Days European Cover

  • With accident recover included. Cover extendable up to 90 days.

Child Seat Cover*

  • Child seat replaced in the event of covered loss..

No Windscreen Repair Excess*

  • £100 excess for windscreen replacements.

Free Accident Recovery*

  • We will collect and re-deliver the policyholder’s vehicle.

Repair Guarantee

  • Guaranteed approved repairs for as long as the policyholder owns the vehicle.

New Vehicle Replacement

  • We’ll replace a vehicle damaged beyond repair or that has been stolen and unrecovered, which is no more than a year old with a like-for-like replacement.

Enhanced Claim Journey

  • Wide-ranging pre inception validation and enrichment means a simplified claim journey for customers.

Free Courtesy Van*

  • A free courtesy van will be provided while the vehicle is being repaired by an Approved Repairer (subject to availability) for up to 14 days.

Third Party Liability Cover

  • Property up to £5,000,000, death or injury is unlimited and legal costs and expenses cover up to £5,000,000.

Personal Belongings*

  • Covered up to £250.

Replacement Keys and Locks*

  • Up to £500 cover for lost or stolen keys and to unlock vehicle if keys are locked in the vehicle accidentally.


  • Manufacturer fitted equipment is unlimited cover and non-Manufacturer fitted up to £500 cover.

Medical Expenses*

  • Includes up to £250 per person.

Hotel Expenses and Alternative Transport*

  • Hotel and alternative travel expenses covers £80 per person, up to £500 in total.

Vehicle Sharing

  • Vehicle sharing with fellow passengers is included, as long as there are no monetary gains.


  • Return premium calculated pro rata, subject to no claims.

Comprehensive cover only.

Become an Agent

Become an Agent

We pride ourselves on our broker relationships and are happy to combine the flexibility of personal underwriting when required, with the ease and speed of full cycle EDI on the majority of our mainstream products.

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