A Fleet of Vans Parked In A Row

Listening to your business needs

We tailor the insurance protection you need for your business.
When you’ve invested so much time, care and finances into your commercial business, choosing how to protect your vehicles is one of the most crucial decisions you can make.
Our commercial motor fleet insurance policy covers eight or more vehicles that are used in connection with your business. The policy gives you the flexibility you need to help easily manage and protect what’s important to you.

Our commercial motor fleet insurance provides:

  • Comprehensive cover provided on all insured vehicles
  • Cover is provided on an “any driver” basis which gives you the greatest flexibility to run your business
  • Cover includes vehicles temporarily hired, loaned or borrowed by the business
  • £5 million Public Liability cover for damage to third party property
  • New for old vehicle replacement for most vehicles less than 12 months old
  • No charges for mid-term adjustments (Exceptions may apply)
  • Motor Legal Expenses up to £100,000 which will help you reclaim uninsured costs after an accident which was not your fault
  • The option of reducing your premiums by choosing a higher voluntary claims excess.

As a mutual organisation, we’re owned by our Members, not shareholders. So, when you speak with one of our advisors, you’re not dealing with a commission-driven salesperson. You’re talking to a local specialist always ready with hands-on advice, assistance and answers you need, whenever you call on them.  

We’d love to talk to you, so for further information or to arrange a quote on our farm insurance please give us or your local advisor a call. Want us to phone you? Simply click on the link and we will call you at a time that works best for you. We are always happy to help.  

Frequently asked questions

What makes you different from other insurers?

We live and work across the South West and are actively involved in the farming community.  Whether it’s local agricultural events, charities, young farmers or our boots on the ground, the Field Force team visiting our Members, we strive to gain a better understanding of our Members and potential sector challenges.

Working in your local area makes us easily accessible and better placed to provide an excellent service compared to other remote insurance companies.  Our Members are at the heart of everything we do and we strive to ensure they always know where they stand with us.

Is Cornish Mutual a broker or an agent?

Cornish Mutual is an independent Mutual Insurance Company. We are not a broker or an agent and underwrite our own insurance policies, therefore we provide a direct insurance service to our Members.

If I insure with Cornish Mutual will you put up the premiums after I become a Member?

Cornish Mutual is committed to keeping premium rates as consistent as possible from year to year reflecting individual exposures and claims experience.

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