Truck Insurance Quotes UK
Cover is available for any commercial vehicle from Van, Truck to Heavy Wreckers
Truck insurance is available for a full range of vehicles that fall under the umbrella term "commercial utility vehicle". We have listed some of the more common vehicle types below, but this is only a small sample of the vehicle types that we can provide insurance quotes for.
To get started select get multiple quotes and complete an easy online form. Remember to provide the correct email and phone contact details so that brokers can provide you quickly with insurance offers. Please note whilst you will mostly receive quotes in under 10 minutes this can be delayed based on time of day and the current number of requests that the brokers are currently dealing with.
Ways to reduce your truck insurance
Telematics :What is telematics and can it reduce my annual or monthly insurance premiums? Simply put a device is added to your truck and yes it can reduce your insurance costs. The purpose of the device is to record data on how the rig is driven and will include at least the following:
To some this may seem like big brother watching. However, it can lead to reduced claims which can then lead to a lower annual truck insurance premium for your trucking business. For example the data can be used to find out how driving can be improved.
This can then be used to provide additional training in the areas identified. If you do introduce telematics do consider adding a competitive factor for example by rewarding the best drivers or make it a team competition.
If approached correctly adding data gathering devices can lead to improved driving and result in less traffic accidents. Less accidents equates to less time that your work trucks spend off the road.
Other advantages also exist in for example showing routes that are congested or hazardous, enabling you to react and make changes in real time. This will lead to an increase in delivery speed whilst reducing the risk of any accidents.
Other measures to help lower insurance costs
Types of truck insurance available
The purchase of third party cover is a legal requirement. Fully comprehensive insurance is available and provides compensation to not only the third party, but covers your costs even if the accident is deemed to be your fault.
The truck insurance policy can also be tailored to cover goods in transit, personal liability and loss of earnings. Depending on the type of business, you may also wish to cover tools, machinery, cargo and goods transported or held in storage.
Tailored truck insurance quotes
Quotes can easily be tailored to the owner operators 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 of your drivers.
What is included and excluded in a truck's insurance policy will depend on your individual insurance requirements. Have you more than 2 utility vehicles? If the answer is yes a fleet policy would most likely work out cheaper than taking out separate policies.
It is important to get the correct level of cover, but do not over insure. Check what is included in your policy quote and remove items that you do not need.
Truck Contents Cover
Most trucks courier goods. The goods can very from high tech gadgets to poisonous chemicals to give just 2 examples from a multitude. If the goods are valuable you will face an increased risk of theft. Cover for contents will provide protection, but hcek any caps that are in place.
Getting suitable cover can sometimes be tricky, for example some brokers will have a list of items that they exclude from cover. Another broker will only offer cover whilst in transit and not stationary in a parking bay. Discuss your requirements with your broker and follow the advice. If take on a new new contract hauling a different items notify your broker in advance to ensure that the new item is covered.
Trucking Terms Explained
Trucking Terms Explained
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: