Non-Standard Commercial Motor Insurance is specifically designed for businesses that operate vehicles falling outside the scope of typical commercial motor policies. This could include modified vehicles, high-performance models, classic commercial vehicles, or those used in specialised industries. Becks Insurance Brokers in Brighton provide tailored Non-Standard Commercial Motor Insurance solutions, ensuring that your unique vehicles are adequately covered, no matter how specialised their use.

Bespoke Cover for Unique Business Vehicles

Businesses often require vehicles that don’t fit the typical mould, whether due to their specialised nature, modifications, or the high value of the vehicle. Non-Standard Commercial Motor Insurance addresses the unique risks and requirements of such vehicles, offering comprehensive protection that standard policies might not provide. This type of insurance is ideal for companies with customised delivery vans, refrigerated trucks, high-value vehicles, or those involved in unique or high-risk activities.

Features and Benefits

• Customised Cover: Tailored policies that take into account the specific modifications, value, and use of your vehicle, ensuring it’s properly protected.

• High-Value Vehicle Protection: Specialist cover for vehicles with higher market values or those used for unique business purposes.

• Specialist Industry Cover: Ideal for businesses involved in industries like motorsport, film production, or other sectors that require non-standard vehicles.

• Agreed Value Cover: Protection based on an agreed value of the vehicle, ensuring you receive the full value in case of a total loss.

• Third-Party Liability: Covers legal costs and compensation if your vehicle causes injury or damage to third-party property.

• Flexible Policies: Options to include multiple non-standard vehicles under a single policy, perfect for businesses with diverse vehicle needs.

What is Typically Covered?

Non-Standard Commercial Motor Insurance provides cover for a wide range of risks that apply to vehicles with unique characteristics or uses. Typical cover might include:

• Accidental Damage: Covers repairs to your vehicle if it’s damaged in an accident, taking into account any special modifications or features.

• Theft and Vandalism: Protects against the loss or damage of your vehicle due to theft or vandalism, especially important for high-value or modified vehicles.

• Liability Cover: Covers legal expenses and compensation if your vehicle is involved in an accident that injures someone or damages their property.

• Specialised Equipment Cover: Protection for any specialised equipment or modifications that are part of your vehicle.

• Agreed Value: Cover based on a pre-agreed value, ensuring you receive the full value of the vehicle if it’s written off.

Exclusions may include wear and tear, mechanical breakdowns, or claims arising from the vehicle being used in a manner not disclosed to the insurer. The specific terms and conditions will vary depending on your vehicle’s unique characteristics and your insurer. Becks Insurance Brokers will work closely with you to ensure that your non-standard vehicles are fully protected with a policy that fits your exact requirements.

To ensure your unique vehicles are fully covered, book an appointment with one of our experts here or arrange a quotation here.