Compare prices and 30 insurance coverages
Not all vehicles are the same, not all drivers require the same coverage. The use we give to our car is essential to decide between the different types of policies available or between one company or another.When we seek a safe commercial vehicles we have some demands that the policy should
respond. If you also want to get the best price and with very clear conditions that we provide the best option is to use Acierto.com, as it will provide you with personalized budget of up to 30 commercial auto insurance as cars, vans or trucks in just three minutes.
What are the commercial auto insurance?
Car insurance can be contracted as individuals or as companies. The difference brand car use. The -camionetas commercial vehicles, vans, trucks, fleets company- cars are vehicles that are given professional use, as it could be freight or customer in the case of supply companies. Depending on the use, we can meet even with companies that do not want to tell.
And that vehicle is exposed to greater risk, and only by the frequency of use; a risk may be even greater depending on what commercial is being given (not the same thing a delivery van, for example, a company vehicle made available to a commercial).
The commercial vehicle insurance should pay more attention to the immediate resolution of incidents and, in general, to all coverages that allow the insured always have a vehicle, since it is not only a means of transport but a working tool without it can not continue its activity.
Insurance rates for commercial vehicles
The vehicles of both self-employed and companies are considered vehicles and insured company itself.Although the modalities of policy are the same, it emphasizes certain benefits over others, and that the needs of these drivers vary from those of an individual.
Above all, they are safe where multiple risks are covered, so in the case of company cars there is greater flexibility to configure the policy to our measure, with a number of optional coverages which extend the guarantees We hired. In any case, you can hire:
Basic commercial vehicle insurance or others: with the basic guarantees, as any compulsory insurance, that is, liability and legal defense.
Commercial vehicle insurance to third with moons coverage in case of breakage.
Commercial vehicle insurance to third expanded: to cover moons, theft and fire can be added, depending on the company, some important guarantees for commercial vehicles, such as the replacement vehicle or roadside assistance.
Commercial vehicle insurance to all risk, with or without excess: cover in case of own damage and may have coverage that ensure the tranquility and the worker's earnings, even in the event of withdrawal of license with the provision of a grant and aid for recovery courses relevant points.
Types of commercial vehicles
Within the commercial vehicle we can find the following classification:
Vans are those vehicles with four wheels or more for the carriage of goods. In this type of car, the cabin is not integrated with the rest of the body.
Boxcars: they are a little older than vans, also intended to carry goods size. They can be configured or upgraded for certain transport: for example, refrigerated vans.
Van: we could consider the light version of the truck, with smaller dimensions and a weight limitation (up to 3,500 kg.)
Vehicle fleets: fleet is considered a set of at least 25 vehicles (whether cars or vans or any other commercial vehicle) that share owner or owners (which is visible as owners of the company).
State aid
The Ministry of Agriculture, Food and Environment launched in 2013 a Plan of Aid for the acquisition of commercial vehicles, gas and electric bicycles with assisted pedaling (new or used up to a year old).Air PIME Plan is regulated by Royal Decree, which establishes a series of amounts in aid in order to promote the purchase of more environmentally friendly cars with the environment and reduce the emission of pollutants into the atmosphere.
Different amounts for different categories established in the case of aid for commercial vehicles:acquiring an adapted tourism (category M1 with bodywork Multi AF) or van or van (N1, with maximum authorized weight less than 2,500 kg. , you can get a € 1,000 aid. This aid amounts to € 2,000 when it comes to commercial vehicles of category N1 but with MMA than or equal to 2,500 kg.
