HGV Insurance Advice for New Operators
Are you after owner driver HGV insurance? If so, chances are that you have already acquired your operator’s license. You must have a valid ops license to qualify to drive a Heavy Goods Vehicle on the UK road network.
Operating a HGV business without adequate level of protection can be costly. You can never be sure that everything will go as planned whilst on the road. For example, no matter how good your drivers are, they can get involved in accidents due to the mistakes of other road users. It is in your best interest to take out adequate HGV cover to protect the future of your business. Some great advice on staying awake at the wheel of an articulated truck can be found courtesy of the UK government website here.
The Benefits of Getting HGV Insurance Online
Some Reasons and Benefits by booking Business or Owner Driver HGV vehicle insurance online
- Fast and Easy - You will receive quotes in minutes and when you decide on a particular broker for your HGV insurance you can easily book online and receive all necessary documentation. A selection of payment methods are available including direct debit and credit card.
- Multiple Quotes The internet lends itself to speeding up the decision making process by enabling you to compare multiple insurance brokers simply complete one online inquiry form
- When you purchase HGV truck insurance using a specialist web site you will be dealing with an expert that can recommend the insurance the best fits with your business or private needs.
- Build a bespoke Quote - The specialist broker is able to tailor the quote with any extra cover for example break down cover that suits your individual requirements
- Claims Process With the underwriters being experts with years of experience providing insurance for recovery trucks you can be reassured that the claims process has been tuned to be quick and easy.
The best HGV insurance to purchase will depend on the specific needs of your company. For a full a simplified guide to lorry types and weights visit the uk gov website. Consider the following questions to understand what type of cover would be most suitable for you and your business:
- Can you increase the excess amount to reduce the premium?
- What is the age and condition of your Heavy Good Vehicles
- Will you also need cover for goods in transit?
- Would you like extras such as public liability and legal expense cover added to your HGV insurance policy?
Comparing truck insurance underwriters policies in one place online is easy, simply select FAST quote and complete a 2 minute form which will be automatically distributed to a panel of 100 and grower specialist brokers who in turn will provide you with an individual quote for your heavy goods vehicle.
There are a number of companies that offer HGV insurance in the UK. As such it should not be difficult to find a good underwriter to provide a good level of comprehensive cover. However, before selecting a company to cover your heavy good vehicle, do some research to confirm its reputation within the trucker fraternity by checking a few online forums. The insurance industry can be complicated to navigate especially when filing claims. Find out how efficient the underwriter is in the processing claims.
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.
Highways Agency warns tailgaters that 'only a fool breaks the 2-second rule'
Compare Insurance Quotes from over 20 UK suppliers in minutes
If you run a haulage company you will find the most UK brokers will offer cover HGV Insurance customised to meet with your self drive or business coverage requirements. The cover will be based on a number of things such as the number of HGVs you have, experience of your drivers, value and age of the vehicles and type of cargo you handle plus many more.
Check the HGV cover to ensure it meets the needs of your business. Also, find out whether the company offers add-on packages that may fit your bill. For instance, does the company offer insurance for goods on transit? What about cover when the vehicle is in Europe? Is breakdown cover something you would like? These extras may make sense for your company depending on the work you do.
You should also compare how much you will pay for the heavy goods insurance. Generally, you can bargain the cost of your premiums if you pay in advance. Some companies will also reduce your rate if you increase the amount of deductible that you or your firm will be responsible for in the event of an accident.
Do not be afraid to negotiate the rate with the broker. Moreover, do not forget to compare quotes from different companies. Make sure you will be getting value for your money by checking the extent of cover provided and other perks that may come with the policy that you are interested in.