Insurance for commercial vehicles: online quote and subscription

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Average price 2020 € 660 846 € € 943 € 763 € 908 639 € € 478 € 624 € 493 € 931

Whether you use your utility for business or personal use, commercial vehicle insurance (VU in insurance jargon, or van in common parlance) is necessary (even if, in fact, standard auto insurance is sufficient to cover the LCV of an individual).

Before proceeding with the subscription of your utility insurance contract (online subscription if you wish), it is strongly recommended to obtain precise quotes beforehand in order to compare all the offers on the market and be sure to make the right choice. Use a online auto insurance comparator is the best solution to scan 100% of contracts offered by the biggest insurance companies.

An online auto insurance comparator like LeLynx.fr, for example, is absolutely free and without obligation. So, to insure your utility, no doubt: compare thanks to quotes before proceeding in full knowledge to an online subscription.

Commercial vehicle (LCV), definition, description, weight and maximum dimensions

A commercial vehicle (or light utility vehicle as opposed to vehicles over 3.5 t. such as trucks) is par excellence the vehicle used by craftsmen (especially construction), but also by most traders and some liberal professions.

You will easily recognize it since it is conventionally composed of two parts:

  1. The front part where the driver and his two or three passengers sit, depending on the model
  2. The rear part, often furnished, accommodating equipment, materials, tools and various goods

If you have any doubts, refer to the grey card (registration certificate) which must contain the words “utility vehicle” in full.

To qualify as a utility vehicle model, the LCV to be insured must not exceed 12 meters in length and 2.55 meters in width. And must not weigh more than 3.5 tonnes. Beyond these weights and dimensions, a utility vehicle changes its name and de facto enters the heavy goods vehicle category, requiring the license of the same name. As you will have understood, the B license is therefore sufficient to drive a utility vehicle weighing less than 3.5 t., Even in the professional context.

What insurance for your utility vehicle?

The insurance of your commercial vehicle depends on its use. If you acquire an LCV on a personal basis, utility insurance for individuals will be very indicated. On the other hand, if you buy it as part of your company for a professional use, you will opt for professional utility insurance, taken out in the name of your company.

What guarantees for your utility vehicle?

Whether it is taken out for personal or professional reasons, insurance for commercial vehicles follows exactly the same formulas as for a conventional light vehicle (LV). You will have the choice between:

  • Third party utility insurance (civil liability, representing minimum legal insurance)
  • All-risk utility insurance
  • Intermediate utility insurance (or extended third party utility insurance, mix between third party utility insurance and all risk utility insurance)

When it is used in the professional context, owners of LCVs often take out two additional insurance policies:

The Accessories and fittings guarantee

If you are a craftsman, you have certainly incurred costs to fit out the rear part of your VU and you carry equipment and tools every day that are often as powerful as they are expensive. If you want ensure your layout as well as the belongings that you store there, the guarantee of the installation is essential. This is particularly the case for the insurance of a campervan.

It will be particularly useful if all or part were damaged. in the context of an accident or a fire. Or if, as is unfortunately more and more often the case, you were to be the victim of a theft when you park near a building site during the day or at night near your head office or your home (including theft of your GPS, your car radio or your roof racks).

Financial loss guarantee after immobilization (especially following an accident or a disaster: fire, theft, etc.)

Your VU is most often an essential working tool. If it becomes unusable (a day or even a week or more) following a breakdown, accident, malicious damage or a natural disaster, you could quickly lose all means of transportation. And therefore to invoice your interventions.

Insurance companies have fully understood these issues, which almost all offer a guarantee for financial loss following a forced immobilization of your LCV. It’s up to you to see if the impact on the insurance premium to be paid is worth the effort.

Commercial vehicle insurance: questions to ask yourself before deciding

Even if the general framework of the insurance is relatively standardized, the rates differ appreciably according to your particular case. So, the number of vehicles to be insured (for example opening the right to the fleet contract, see below) as well as the number of drivers likely to use the LCV are taken into account in establishing the contract and the prices.

But other criteria are also important like the value, the model and the power of the SUV, the additional guarantees retained …

Also beware of surprisingly low prices! The low level of certain LCV insurance may in fact be due to deductible amounts very high, which you could unpleasantly face when it is too late … Also pay particular attention to the guarantees actually applied and included in your contract.

Good to know

If you are self-employed (liberal professions, etc.), you have the option of insuring your LCV with a standard car formula. However, it is not always a wise choice, financially speaking. Perform simulations via an insurance comparator auto online and contact your accountant before making any decision.

Commercial vehicle insurance from three LCVs: opt for the fleet contract

If your business has at least three commercial vehicles, it is in your best interest to choose a fleet contract. Not only will you save money (up to 30% compared to the unit price) but, in addition, you will significantly simplify administrative management of your insurance since 100% of your LCVs will be covered via a single contract, even if your fleet were to grow over the months.