“A motor vehicle, every trailer drawn thereby and all parts and accessories of such vehicle and trailer shall at all times be in such condition at all times be such, that no danger is caused or is likely to be caused to any person in or on the vehicle or trailer or on a road. Also no motor vehicle or trailer shall be used for any purpose for which it is so unsuitable as to cause or be likely to cause danger or nuisance to any person in or on the vehicle or trailer or on a road.”
The Road Vehicles Construction & Use regulations state:
Why Purchase Truck Insurance Read More
Why Purchase Truck Insurance?
The purchase of truck insurance is a legal requirement to operate a business in the UK. Without it you or your business would be open to claims that if excessive could close down your profitable operation. Many types of accident can happen even when being extra careful that is why they are called accidents, the insurance can also cover goods in transit, personal liability and loss of earnings. Depending on the type of business you may also which to cover tools, machinery, cargo and goods transported or held in storage. Quotes can easily be tailored to the owner drivers individual needs, providing the necessary cover to ensure you are not at financial risk as a result of an operating accident.
Having your trucking business covered with adequate protection can let you get on with running your business without concerns for possible future claims against you or one if you're employed drivers. Such claims resulting from an accident could lead even if not your fault to crippling expensive legal bills which if you can not pay will most likely result in losing in any court case and possibly the downfall of your lucrative haulage business. Having truck insurance in place will ensure that you can continue your haulage operation whilst you have third party claims pending against your commercial or private haulage business.
Ways to Reduce Policy Costs
Insurance costs are based on how an underwriter determines their risk of you or your business making claims against them, if you can show that you have taken precautions to reduce the likelihood of making some types of claims then this will be reflected directly in reduced insurance premiums for your trucker business. Below we have listed some of the common approaches that can lead to reduced costs and at the same time are easily implemented.
- Driver Background Checks : Drivers that have a history of claims will increase your insurance costs as they will obvoisoly be seen as an added risk, also drivers under 25 will incur a higher premium based on age and accident statistics, so whilst the young driver may be one of the better drivers in the eyes of the underwriter he/she are seen as extra risk. Choosing your drivers based on the impact on your insurance costs would be a wise choice.
- Reduce administration costs: Simply arranging one annual payment will lead towards less overheads for everyone in the insurance loop, resulting in lower costs which should be passed onto you in terms of a lower premium which will continuation of an annual payment arrangement.
- Fleet Insurance : Often overlooked, but if you have more than one business truck it will pay to consider taking out fleet cover instead of taking out individual policies.
- Truck Security: Making your Truck or fleet of trucks secure and safe should help to bring down the premium price ever further, safe secure parking with additional safety devices ( insurance industry approved ) such as immobiliser, GPS tracking devices and black boxes will help towards to lower annual or monthly insurance premiums.
- Any Driver: If possible limit your policy to named driver or drivers, but if needed any driver insurance is also available at a slight higher cost.
Driver CPC: the basics
Driver CPC stands for 'Certificate of Professional Competence'. This is to ensure that bus, coach and lorry drivers are continually kept abreast UK safety on and off the road and carries on throughout your driving career.
Quick Reference to types of Haulage Vehicles
Articulated Lorries (Artics) are the main vehicle category to transport goods by road. This combines a tractor unit with a trailer using a turn-table device. Artics have different types of trailers some of the most common are listed below:
- Flatbed trailer - Most versatile and can be used for almost any kind of cargo one disadvantage is that the goods need to be protected from the elements and theft.
- Tilt trailer - Similar to the flat bed trailer, but with a removable canopy.
- Curtain side - Most common vehicle for road haulage and comes with a rigid roof and rear doors. The sides are PVC curtains that can be drawn back for easy loading and unloading.
- Box trailer - Boxed rigid unit, with loading through back doors. A must for long haulage or for valuable goods.
- Road train - a rigid vehicle at the front, which pulls a trailer behind it.
- Swap-body system -Not common and have been designed to accommodate standard cargo containers.
- Low-loaders - Can be used for transporting heavy machinery and other outsize goods. Set low to the ground for easy loading.
SOME TECHNICAL TERMS EXPLAINED
- AXLE WEIGHT : The total weight transmitted to the road by all the wheels on one axle.
- GROSS VEHICLE WEIGHT: The weight of a vehicle and its load.
- TRAIN WEIGHT: The weight of a vehicle, a trailer and its load. PLATED WEIGHT.
- PLATED WEIGHT: Either the design weight limit given on a manufacturer’s plate or the legal weight limit given on the Department’s plate
- DRAW-BAR TRAILER: A trailer pulled by a rigid vehicle.
- SEMI-TRAILER: A trailer forming part of an articulated vehicle.
- ARTICULATED VEHICLE: A tractor unit with a semi-trailer attached where part of the load is borne by the drawing vehicle.
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