Commercial Motor Vehicle Insurance

At Arborist Business Cover, we can provide you with commercial motor vehicle insurance for trades associated with tree surgery and forestry. We can offer cover for arboricultural vehicles which include 4x4s, cherry pickers and tractors etc. Get in touch with us to find out more about how we can help protect your vehicles / fleets.

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Why Commercial Motor Vehicle Insurance Is Essential for Arboricultural Businesses in the UK

In the arboricultural industry, vehicles are more than just a means of transport — they’re a critical part of daily operations. From 4x4s and pickups carrying tools, to tipper vans hauling waste, and specialist trucks towing chippers or stump grinders, your business relies on a fleet that works as hard as your team does. That’s why commercial motor vehicle insurance isn’t just a legal requirement — it’s a vital safeguard for your business.

At Arborist Business Cover, we specialise in providing tailored insurance solutions for arboricultural businesses. We understand the specific needs and risks of the industry, including the use of modified vehicles, trailers, and the constant movement between worksites.

Why It’s Essential for Arborists to Have the Right Motor Cover

1. It’s a Legal Requirement

In the UK, any vehicle used for business purposes — including transporting tools, towing equipment, or travelling between client sites — must be covered by a commercial motor insurance policy. Standard personal vehicle insurance won’t cover you if the vehicle is involved in an incident during work use.

2. Protection Against Financial Loss

An accident involving a work vehicle can lead to costly damage, third-party claims, and even legal action. Commercial motor insurance covers:

Damage to your own vehicle
Damage to third-party vehicles or property
Injury to third parties
Legal fees and compensation
Without cover, your business could face severe financial consequences.

3. Cover for Tools, Equipment, and Trailers

Arboricultural vehicles often carry expensive gear — chainsaws, climbing equipment, and specialist machinery. Many policies can be extended to cover tools in transit, trailers, and towed chippers, giving you added peace of mind.

4. Minimising Downtime

If your vehicle is damaged or stolen, time off the road can cost you work. Good commercial vehicle insurance often includes access to replacement vehicles, so your team can stay operational while repairs or claims are processed.

5. Flexibility for Fleets and Multiple Vehicles

If your business uses several vehicles, fleet insurance can simplify your cover under one policy — reducing admin and potentially lowering costs. Whether you operate one van or a mixed fleet, we can help you find the most efficient cover.

6. Public Image and Client Confidence

Having proper insurance in place demonstrates professionalism and responsibility to clients, contractors, and local authorities — especially when bidding for contracts or public sector work.

Why Arborists Trust Arborist Business Cover for Motor Insurance

We’re not a general insurance provider. We’re specialists in the arboricultural industry, and that means we know how your vehicles are used — and how to insure them properly.

Here’s what sets us apart:

Industry Knowledge: We understand the unique demands of arboricultural transport, including cover for modified vehicles, towed equipment, and frequent site travel.
Tailored Cover: We match your policy to your business needs — whether you’re insuring a single truck or a growing fleet.
Competitive Pricing: We work with leading UK insurers to get you the best rates without compromising protection.
Add-On Options: Include breakdown cover, tools in transit, or European use, depending on your operational needs.
Fast Quotes & Proof of Cover: Get covered quickly and receive documents when you need them — ideal for new contracts or site access requirements.
Ongoing Support: Our team is on hand year-round to help with changes, renewals, and claims, with service that understands the pace of your industry.

What kind of vehicles can we cover?

Single Commercial Vehicles [i.e. Double cab pick ups | Transit Tippers with high sided backs]
Agricultural Vehicles [i.e. Tractors | Telehandlers]
Special Types Vehicles [i.e. Quads | Diggers]
Fleet
Modified vehicles

What types of cover are available?

Comprehensive
Third Party Fire and Theft
Third Party only
Any driver cover (age restrictions apply)

Get the Right Motor Cover Today

If you run an arboricultural business in the UK, you can’t afford to be without proper commercial vehicle insurance. Let Arborist Business Cover help protect your vehicles, your team, and your reputation with cover built for the way you work.