It is very important for any business that makes use of commercial vehicles to get insurance. Road travel is the most accident-prone mode of transportation, and this is why a commercial vehicle insurance plan is a must. Without one, the business owner could incur heavy expenses in case one of their vehicles are part of a collision.

But there are certain situations in which a commercial vehicle insurance plan does not provide coverage for the damages caused. As a policyholder, you should be aware of these exclusions before buying any plan to avoid complications in the future. So, let us take a look at 4 of the most common exclusions of a commercial vehicle insurance plan:

  1. Accidents caused while driving under the influence of drugs/alcohol.

Motor insurance becomes invalid if the driver of your vehicle was under the influence of alcohol or any kind of drug. This seems to be fair because in such cases, it is the driver’s irresponsibility that has caused the accident.

  1. Daily wear & tear:

It is normal for a vehicle to go through wear and tear, especially with it being used for commercial purposes. Therefore, mechanical breakdowns or damages that occur due to regular wear and tear are not covered by commercial car insurance. Of course, some plans offer 24*7 roadside assistance as an add-on. This means that you can pay a little extra and get emergency assistance in case of mechanical breakdowns.

  1. Reckless driving.

Numerous accidents take place due to the recklessness of the driver. This includes over speeding, driving on the wrong side of the road, racing, etc. Accidents caused when the vehicle is driven in such a manner are not covered by any motor insurance policy, be it commercial or otherwise.

Commercial vehicles like trucks & Lorries are often observed driving on the wrong side of the highway. This is usually because they want to avoid going to the next intersection to make a U-turn. If they meet with an accident while doing so, their claim will most likely not be settled.

  1. Accidents outside specific geographic areas

Before buying a commercial vehicle insurance plan, you should always check about its geographical restrictions. This is because most of these insurance plans have certain geographical boundaries beyond which they do not provide coverage. This means that if your commercial vehicle has been in an accident outside the geographic boundary of your insurance plan, you would not be able to claim coverage.

When buying commercial vehicle insurance, or any form of motor insurance for that matter, It is important to go through the list of exclusions. This is because motor insurance exclusions, whilst being quite generalistic, can differ from one insurance company to the next. Moreover, knowing the exclusions of your plan will help you avoid any situations wherein your claim may be denied. We hope this article has been useful to you. Remember to always wear your seatbelt while driving. Good luck and drive safe!