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Buying A Commercial Car, Van or other Commercial Vehicle

There are three distinctive types of commercial vehicle on the roads today – light commercial vehicles (LCVs), such as vans and small trucks, heavy goods vehicles (HGVs), such as lorries, and passenger carrying vehicles (PCVs), such as buses and coaches. Out of all these, LCVs are the ones most regularly bought by individuals and companies, probably because so many different types of organisations can use them, they are relatively inexpensive to buy, and they can be sold on easily. HGVs and buses on the otherhand, are bought less often because a lot of companies prefer to lease these types of commercial vehicles, but those who do buy them keep them for a long time. If you or your company wants to buy one of these vehicles then there are few things you should remember before you sign on the dotted line. Here we offer a few handy hints for buying your own commercial vehicle. - If you’re shopping for used commercial vehicle make sure you do your homework first by deciding what kind of vehicle you want and any extras you want it to have, such as electric windows, radio, etc. - Whether you’re buying a new or used vehicle you must decide on a realistic budget before you even start looking at potential commercial vehicles, so you know exactly what you can afford. Don’t be tempted to go over this limit, no matter how much the commercial vehicle dealers try to persuade you to.

- When you find a used commercial vehicle that you like, make sure you check it out thoroughly using an inspection checklist. Things you should be looking for include a full service history, MOT certificate, decent tyres, and reliable brakes and clutch, etc. It may also be advisable to ask a mechanic to take a look at the vehicle.

- One tactic that is often used by car buyers, and works well for commercial vehicle buyers too, is to hire your chosen vehicle before you buy one. You can lease a commercial vehicle on a daily, weekly or monthly basis to check it meets all your requirements. If this is not practical at least take your chosen vehicle out for a test drive before you buy it.

- If you don’t know much about commercial vehicles then take someone along who does, so you can be sure you ask all the right questions and make the right checks before you buy.

Once you have bought your commercial vehicle, whether it’s a van, lorry or bus, you must get commercial vehicle insurance before you take the vehicle out on the road. UK law states that you must have insurance to cover legal liability for injury to others and damage to their property arising from a road accident. There are a number of types of insurance, such as third party and fully comprehensive, and if you use the vehicle for business purposes you must inform your insurance company of this. In addition, if your business owns more than five vehicles, a fleet policy might be the most cost effective option.

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