Without your vehicle the business stops, so make sure it is covered properly and for the work you do.
The things that come in to play when taking out insurance are:
– The type of vehicle is it Rigid, Semi, Tipper
– Are you doing short or long haul
– What type of goods are you carrying
– Are you hauling your trailers or a third parties
– Who is driving the vehicle and how much experience do they have in that class.