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 up to eight 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 unique product offers a wide range of benefits to both brokers and policyholders:

  • Cover designed specifically for local businesses
  • Combine 1-8 commercial vehicles or private cars on one simple policy
  • Multi-vehicle cover on a book and bonus basis
  • Suitable for a wide range of occupations from builders and solicitors
  • Start with one vehicle and add others as they renew or the business grows
  • Vehicle Value Accumulation Limit £5,000,000 as standard
  • Fast and efficient UK based claims from Agrical – experts in rural business claims
  • Statement of fact for efficient policy administration
  • One policy with one premium and convenient instalments available
  • In addition, four levels of breakdown cover are available

Rural business motor Covers

Private cars and commercial vehicles

  • 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)
  • Replacement glass cover with automated billing
  • Replacement locks following attempted theft or loss of keys
  • Driving abroad cover for up to 90 days per trip in EU countries
  • No claims discount and garaging discount

Motorised horse boxes

  • Comprehensive, third party fire and theft or third party cover
  • Replacement glass cover with automated billing
  • Replacement locks following attempted theft
  • Garaging discount
  • Lower premiums for limited mileage

4 levels of optional breakdown cover available

  • Level 1: UK Roadside Assistance with Local Tow within 15 miles
  • Level 2: UK Roadside Assistance and Nationwide Recovery
  • Level 3: UK Roadside Assistance with Nationwide Recovery and Homecall
  • Level 4: Roadside Assistance, Nationwide Recovery and Europe


4 levels of optional guaranteed hire vehicle cover available for Private Cars and light Commercial Vehicles

  • Up to 7 days following a claim
  • Up to 14 days following a claim
  • Up to 21 days following a claim
  • Up to 28 days following a claim


Optional motor uninsured loss recovery and prosecution defence available with £100,000 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 (V20) 5.8 MB 01 Mar 2021

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 £50 reduction in the policy excess, policyholders should contact one of our preferred suppliers:

Autoglass: 0844 371 0047
Auto Windscreens: 0800 999 5000