Our Products
Our range of products is designed to protect your operations from the unexpected, keeping your business moving forward with confidence.
Heavy Commercial Vehicle Insurance
Protection you can trust for every heavy load
From long-haul transporters to fleet vehicles, our Heavy Commercial Vehicle insurance provides comprehensive protection against accidental damage, theft, and breakdowns.
Cover options include
Why it matters
Every hour your vehicle is off the road costs money. Our transporter policies are built for fast claims handling, practical support, and the flexibility to meet your specific operational needs.
Goods in Transit (GIT) Insurance
Reliable cover for every step of the journey
Our Goods in Transit insurance protects the goods you carry - from the moment they’re loaded until they reach their destination.
Cover options include:
Why it matters
One incident can disrupt deliveries, damage client relationships, and impact your bottom line. GIT cover ensures you’re protected from the unexpected while keeping your commitments intact.
Commercial (Non-Motor) Insurance
Protecting more than just your vehicles
Your vehicles aren’t the only assets that matter. Our commercial policies cover buildings, equipment, and business interruptions, offering comprehensive protection for your operations.
Cover options include:
Why it matters
Every business faces unique risks. We help tailor solutions that match your size, structure, and sector - so you can focus on growth, not setbacks.
Excess Reducers
Smart excess reduction for fleet peace of mind
Even the best-run fleets face claims. Our excess reducer options help minimise your out-of-pocket expenses after a claim, giving you predictable, manageable costs and greater peace of mind.
Cover options include:
Roadside Assistance
Round-the-clock assistance to keep you moving
Breakdowns happen and when they do, every minute counts. Our 24/7 Roadside Assistance ensures that your drivers and vehicles get the support they need, fast.
Cover options include:
Motor Fleet Section
LDVs, Passenger Vehicles & Motorcycles
The Motor Fleet section provides cover for the loss of or damage to insured fleet vehicles, including light delivery vehicles (LDVs), passenger motor vehicles and motorcycles, arising from accidents, fire, hail, or theft/hijack.
Including but not limited to:
Simplified Fleet Cover
Fleet insurance enables multiple vehicles to be insured under a single policy, offering centralised administration, consistent cover, and cost efficiencies compared to insuring vehicles individually.
Driver Products
Safeguarding the People Behind the Wheel
Our range of driver-focused products covers personal accident, medical expenses, and legal protection to safeguard the people behind the wheel.
Why it matters
Healthy, protected drivers mean safer roads and more reliable operations.
Risk & Bureau Services
Analytics & Tracking That Strengthen Your Operations
Our risk management and bureau services give businesses the data, tracking, and analytics needed to operate smarter.
Includes:
Why it matters
Proactive risk management saves time, money, and reputation - helping you prevent problems before they happen.
VAPS HCV Telematics
Real-Time Tracking & Safety Technology for Your Fleet
At VAPS HCV, risk mitigation is part of the service. Through our partnership with iCam, we offer intelligent telematics solutions that combine real-time tracking, video monitoring, and driver-safety technology: helping you reduce risk before it becomes a claim.
Features include:
Video Systems
1 to 16-channel camera options with GPS, Wi-Fi, and Full HD recording – view live, event-triggered, or stored footage.
Tracking & Telematics
Vehicle, trailer, or asset tracking with CANBUS data, driver ID, and 24/7 monitoring.
Driver Fatigue & ADAS
Real-time alerts for fatigue, distraction, or collision risks, plus facial recognition and safety warnings.
VAPS HCV Telematics - combining technology and insurance for safer, smarter journeys.
Pollution & Environmental Cover in Partnership with Envirosure
Safeguarding Your Business from Environmental Liabilities
Environmental risks can have serious financial and legal consequences. Our pollution and environmental cover protects your business from the costs of accidental spills or contamination.
Cover options include:
Let’s talk about the cover that fits your business.
We know every business is different. Our team and nationwide broker network will help match you with the right product for your needs.