How does commercial vehicle insurance usually differ from private motor insurance regarding coverage?

Commercial vehicle insurance primarily focuses on providing coverage tailored to the needs of businesses that use vehicles for commercial purposes. One significant distinction from private motor insurance is that it generally does not provide coverage for personal effects. This is because commercial vehicle insurance is designed to cover the vehicle itself, liability arising from its use in business activities, and any business-related equipment that may be carried in the vehicle, rather than personal items that belong to the driver or passengers.

Private motor insurance, on the other hand, often includes provisions for personal effects, acknowledging that drivers may have personal belongings within their vehicle. Therefore, the lack of coverage for personal effects under commercial vehicle insurance reflects its focus on business-related concerns and responsibilities rather than personal use. This specialization in coverage helps mitigate risks associated with business operations, making it distinct from private motor insurance policies that cater to individual drivers and their personal needs.