I have a dual-purpose vehicle which use occasionally for carrying
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good:, At present it is insured only as a privet vehicle. Am I correct in understanding ths I should have a commercial vehicle polic to cover when I am carrying goods?
AIf the goods you carry are in connectiol with any trade or business carried on b you then certainly commercial vehicle cover i required. This will involve paying a highe premium and certain disadvantages compare. with private car-type insurance. For instance commercial vehicle policies rarely give COVE for personal effects carried in the vehicl whereas most car insurances do state a lim on the value of personal effects which will b protected in the event of a claim (items clothing, car rugs and so on are examples
Commercial vehicle policies also do nc provide personal accident cover for the driv or cover for passenger liability. These item can be covered by the insurance company requested but they will involve additions to th premium.