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Motor Trade: 01271 349790
Motor Trade: info@crowthornemt.co.uk
01344 771626
info@crowthorne.co.uk
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Whether you're an independent operator or manage a team of drivers, ensuring vehicles are protected while being collected, delivered, or relocated is critical. Our Vehicle Collection and Delivery Insurance offers robust, reliable coverage tailored to businesses that regularly transport vehicles on public roads. From collecting new stock or delivering vehicles to customers, to relocating vehicles between trade partners or auction houses, this policy is designed to protect your business and the vehicles in your care during all stages of transportation.

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Understanding Vehicle Collection and Delivery Insurance

At its core, Vehicle Collection and Delivery Insurance is essential for businesses involved in transporting vehicles rather than repairing or reselling them. A key element of this policy isroad risk insurance, which ensures that vehicles in your custody are protected while being driven between locations. Whether you're collecting vehicles from auctions, transporting between dealerships, or delivering purchased vehicles directly to customers, this coverage addresses the inherent risks of frequent road-based operations.

Who Can Drive Vehicles Under Your Policy?

For optimal protection and to uphold your insurance terms, only qualified and responsible drivers should operate vehicles under this policy. Common eligibility criteria include:
the following minimum criteria:

  • Licence Duration: Must hold a full UK driving licence (or equivalent) for a minimum of 2 years.
  • Age: Drivers over 21 can be considered, although premiums are generally more favourable for those aged 25 and above.
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What Are The Cover Options?

Our Vehicle Collection and Delivery Insurance typically provides Named Driver Road Risk Insurance, ensuring only specified individuals are insured to drive for business-related purposes. Available coverage tiers include:

Comprehensive

Full protection, covering both damage to the vehicle being transported and third-party liability.

Third-Party, Fire and Theft

Covers third-party property damage, plus theft or fire-related loss of the vehicle in transit.

Third-Party Only

Meets the minimum legal requirement, covering injury or damage caused to others.

Covering a Wide Range of Vehicle Types

We recognize that collection and delivery businesses may handle an array of vehicle types across diverse sectors. Our insurance typically covers:

  • Brand New and Used Cars
  • Imported Vehicles
  • High-Value Vehicles (including Sports and Prestige models)
  • Vans and Light Commercial Vehicles
  • Electric and Hybrid Vehicles
  • Vehicles in various operational conditions
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Indemnity Levels and Vehicle Weight Limits

Most contracts today require a minimum indemnity of £50,000, especially when working with large dealerships, fleet companies, or auction houses. We ensure our policies meet or exceed these requirements to keep your business contract-ready.

We can accommodate vehicle transport operations involving a wide range of sizes, including:

  • Up to 7.5T GVW (Gross Vehicle Weight) – covered under our general marketoffering
  • Up to 44T GVW – available through our specialist markets for heavy transport operations

Whether you’re operating small recovery vehicles or managing articulated transporters, we can structure a policy that matches your operational scale.

Complete Protection for Your Business

In addition to essential road risk cover, Crowthorne Insurance offers further policies to ensure end-to-end protection for your collection and delivery operation:

  • Motor Trade Liability Insurance: Covers your business against claims for personal injury or property damage that may occur during the course of operations.
  • Vehicles in Transit Insurance: Provides protection for vehicles while being transported—whether driven or trailered—against accidental damage, theft, or other unforeseen incidents.
  • Goods in Transit Insurance: Offers coverage for any additional goods or accessories carried within the vehicles or during transit operations.

Our aim is to provide a tailored Vehicle Collection and Delivery Insurance package that ensures the vehicles, personnel, and wider risks involved in your business are comprehensively protected.

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We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

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Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.