Commercial Vehicle Insurance in Liverpool & the North West

At PSM Sales Consultancy, we arrange tailored commercial vehicle insurance for sole traders and SMEs across Liverpool, Merseyside and the wider North West. If you use a van, car, or HGV for business purposes, personal insurance will not protect you. Our commercial policies are designed to keep you legal, compliant, and covered while you work.

Why choose commercial vehicle insurance?
Commercial vehicle insurance provides protection for a single business-use vehicle. It goes beyond standard private car cover to include liability for business use, protection for tools or goods in transit, and optional extras like breakdown or hire vehicle cover.

Who is it for?

- Tradespeople with a single van (builders, electricians, plumbers)

- Couriers and delivery drivers using a car or small van

- Sole traders and small businesses with one or two vehicles

- Private hire drivers and taxi owners not on a fleet policy

- HGV operators running a single lorry or specialist vehicle

What’s covered?

- Third Party Only, Third Party Fire & Theft, or Comprehensive cover

- Business-use liability protection

- Goods in transit insurance (optional)

- Breakdown assistance and replacement vehicle options

- Legal expenses cover

How it works:

Tell us about your vehicle, driver and business use

We compare our trusted panel of UK insurers

You choose the cover that fits and we issue documents fast

FAQ

Commercial Vehicle Insurance Liverpool & Merseyside

Q: What is commercial vehicle insurance?
A: It is a policy that covers a single vehicle used for business purposes such as a van, taxi, or delivery car.

Q: Who needs commercial vehicle insurance?
A: Any sole trader or business using a vehicle for work beyond commuting, such as trades, deliveries, or private hire.

Q: Is it different from fleet insurance?
A: Yes. Fleet insurance is for multiple vehicles. Commercial vehicle insurance covers one.

Q: Do I need it if I only use my car for occasional business?

A: Yes. Standard car insurance does not cover business use, and claims could be invalid without commercial cover.

Protect your vehicle and your livelihood today. Get a tailored commercial vehicle insurance quote from PSM’s local experts.