COMMERCIAL PLAN
Commercial
For light commercial vehicles up to 3.5T (vans, pickups, LGVs) for personal or business use; and for any vehicle used as a taxi, private hire (PCO), ride-share (Uber, Bolt, Lyft), or operating in a rental or hire fleet. Taxi, PCO, ride-share, hireand-reward, and rental fleet use are not covered on Silver, Gold, Platinum, or EV & Hybrid plans.
Eligible Vehicles
Up to 8 years, Up to 100,000 miles, Manual & Automatic
At a glance
Claim Limit
£2,000/claim
Annual Cap
£5000 / year
Excess
£75
Labour
£70/h
MOT
Not included
Diagnostic
£75 contribution
Breakdown
Included
Waiting Period
30 days
Vehicle Pricing Factors — Apply to all plans
Your final price depends on your vehicle. We confirm it from a free DVLA reg lookup at checkout. Only the single highest factor applies (not cumulative):
Add EV & Hybrid high-voltage cover
Your Commercial plan doesn't cover the high-voltage drive system. Add cover for the four most expensive EV components for an extra 10%
Pricing · Annual, 2-Year, 3-Year
Save up to 20% with a multi-year plan
2-year saves 15% vs renewing annually; 3-year is our best value. 14-day cooling-off period on all durations.
What's Covered
Plan-specific coverage schedule
Listed in plain English. Full exclusions in T&Cs §6. Pre-existing faults and wear items are not covered.
Drivetrain
Axles, prop shafts, CV joints
Electrical
Starter, alternator, ECUs, sensors
Cooling/HVAC
Radiator, thermostats, AC compressor
Commercial-use eligible
80%+ business use supported (dual-purpose OK)
Dual-purpose
80%+ business use eligible
Engine
Full internal cover including turbochargers
Commercial excluded
Fleet 5+ vehicles, hire fleet, HGV >3.5T
Transmission
Pre-purchase MOT condition
Check your MOT expiry before you buy
We can't cover a vehicle if its MOT is due to expire within 40 days — unless you give us a fresh MOT pass or an independent inspection from the last 14 days. This doesn't apply to cars under 3 years old that don't yet need an MOT.
Important — Applies to all plans
30-day waiting period from plan start date
No claims can be made in the first 30 days from purchase. Pre-existing faults — those arising or existing before the waiting period ends — are not covered. This is a universal condition across every DriveSafe plan.