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Insurance Articles - Commercial Car Insurance

What exactly is a commercial car or a commercial vehicle?  There are many definitions for commercial vehicles from the government, road traffic authorities and even insurance companies. Generally speaking, a “commercial car” or “commercial vehicle” is that which is used for the transportation of stock, goods, equipment, machinery and even passengers. This is usually used for business purposes and not just for personal transportation of the owner and immediate family. Commercial car insurance thus differs from that of personal car insurance. African Independent Brokers offers business vehicle insurance that will suit the needs of your small business perfectly!

This may have sparked an interest. Small business owners often make the mistake of insuring their vehicles under their personal insurance when the vehicle is actually being used for business. For this reason, the vehicle won’t be fully covered if it is involved in an accident while being used for business. Always make sure your vehicle is insured correctly. The difference between commercial car insurance and personal car insurance extends beyond just the difference in the monthly premium amounts. If you are the only driver of the vehicle and aren’t going to be transporting any stock or unusual items in your vehicle, then you can probably get away with taking out a personal insurance policy. Personal car insurance will provide a broad spectrum of cover but will certainly not pay out on large amounts of valuable stock that you are transporting should any be damaged or lost in the event of an accident or theft of your vehicle.

Commercial car insurance however will do so and usually allows for the vehicle to be insured at a slightly higher value. Most importantly, if you insure your car for business, more than one individual may drive the vehicle and be fully covered. More importantly, these vehicles will be insured at a rate you can afford and with a claims process in place that is known to be absolutely hassle free!

Insurance Articles - Commercial Car Insurance

What exactly is a commercial car or a commercial vehicle?  There are many definitions for commercial vehicles from the government, road traffic authorities and even insurance companies. Generally speaking, a “commercial car” or “commercial vehicle” is that which is used for the transportation of stock, goods, equipment, machinery and even passengers. This is usually used for business purposes and not just for personal transportation of the owner and immediate family. Commercial car insurance thus differs from that of personal car insurance. African Independent Brokers offers business vehicle insurance that will suit the needs of your small business perfectly!

This may have sparked an interest. Small business owners often make the mistake of insuring their vehicles under their personal insurance when the vehicle is actually being used for business. For this reason, the vehicle won’t be fully covered if it is involved in an accident while being used for business. Always make sure your vehicle is insured correctly. The difference between commercial car insurance and personal car insurance extends beyond just the difference in the monthly premium amounts. If you are the only driver of the vehicle and aren’t going to be transporting any stock or unusual items in your vehicle, then you can probably get away with taking out a personal insurance policy. Personal car insurance will provide a broad spectrum of cover but will certainly not pay out on large amounts of valuable stock that you are transporting should any be damaged or lost in the event of an accident or theft of your vehicle.

Commercial car insurance however will do so and usually allows for the vehicle to be insured at a slightly higher value. Most importantly, if you insure your car for business, more than one individual may drive the vehicle and be fully covered. More importantly, these vehicles will be insured at a rate you can afford and with a claims process in place that is known to be absolutely hassle free!

For affordable commercial car insurance trust only African Independent Brokers – the only South African accredited financial services provider that guarantees unburdened insurance for all.

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