Rural Business Motor insurance

We recognise that roads are the arteries of the rural economy, and that the vehicles on them are our lifeblood. That’s why effective motor insurance is so important for the success of rural businesses.

Our Rural Business Motor Insurance is an innovative product available for a range of trades and occupations. So whether you’re a florist, plumber, builder, baker or shopkeeper, you can combine multiple commercial vehicles, private cars, and even motorised horseboxes in this one simple policy.

We know that urban areas are full of risk, from the increased number of accidents that result in injuries to higher crime rates. We don’t believe rural drivers should be penalised as a result, so that’s why we only insure drivers in rural areas.


  • Selling points
  • Covers
  • Policy documents
  • Making a claim

Rural Business Motor Selling points

This product offers a wide range of benefits to both brokers and policyholders:

  • Cover designed specifically for local businesses
  • Combine multiple vehicles on one simple policy
  • Start with one vehicle and add others as they renew or as the business grows
  • Multi-vehicle policy rated on a book and bonus (No claims bonus) basis
  • Suitable for a wide range of occupations from builders to solicitors
  • Fast and efficient UK based claims from Sedgwick – experts in motor claims
  • Statement of fact for efficient policy administration
  • One policy with one premium and convenient instalments available
  • In addition, the following optional products are available:
    • Breakdown cover
    • Motor Legal Expenses

Rural Business Motor Covers

Private cars and commercial vehicles up to 7.5T

  • No Claims Bonus rated multi vehicle policy
  • Comprehensive, third party fire and theft or third-party cover
  • New for old replacement on private cars and light commercial vehicles following total loss accident, fire or theft within 12 months of first registration
  • Automatic cover for attached and detached trailers up to £5,000 per trailer (trailers valued over £5,000 must be specified on the policy)
  • Repair and replacement glass cover with automated billing when our approved repairers are used
  • Replacement locks following attempted theft or loss of keys automatically covered up to £1,000 as standard
  • Audio Visual Communication or Guidance Equipment automatically covered up to £1,000 as standard
  • Personal accident cover up to £10,000 as standard
  • Driving abroad cover for up to 90 days per trip in EU countries
  • Medical Expenses cover up to £250 as standard
  • No claims discount available
  • No claims discount protection available

Motorised horse boxes up to 44T

  • Garaging discount
  • Lower premiums for limited mileage

Legal liability for death, injury and damage

  • Third party liability and legal costs incurred

Personal effects cover

  • Cover for personal belongings in your vehicle automatically covered up to £500 as standard

Motor Legal Expenses

  • Optional policy available with £100,000 of cover.

Motor Breakdown cover

  • Optional policy available with various levels of cover.
Document Title Size Valid From
Rural Business Motor insurance Policy Summary (V20) 2.02 MB 01 Mar 2021
Rural Business Motor insurance Policy Wording (V21) 682 KB 01 Mar 2023

Rural Business Motor Making a claim

At Rural Insurance we understand the importance of the claims service for your clients.

In the event of a claim you or your client should contact our claims team directly at the following address. Please download and complete the claims form to support your claim and send to:

Oakleigh House
14 - 16 Park Place
CF10 3DQ
Tel: 02921 010 334
Glass claims
For glass claims, to benefit from a potential reduction in the policy excess, policyholders should contact one of our preferred suppliers:
Autoglass: 0844 371 0047
Auto Windscreens: 0800 999 5000