7.5 Tonne Lorry Insurance - Private and Business
Example of the type of vehicles that can be insured
The 7.5 Tonne lorry is the perfect vehicle and favorite for anyone moving into the haulage business. The curtain sided version allows for easy loading and unloading and your goods are still protected, unlike the flat bed option. Another huge bonus in the past was that anyone with a standard driving licence could get behind the steering wheel. However, this is not the case anymore and the driver must qualify by passing a specific test geared toward this vehicle size and additionally possess a recently introduced diver’s competence certificate.
Getting good value cover is important and comparing quotes from multiple underwriters is arguably the first step in the process of finding a suitable policy at a price that protects your lorry and within your operating budget. By comparing lorry insurance across many brokers you are forcing underwriters to provide quotes at their best premium, that still makes them a profit without crippling your own business budget. If as an owner driver it is your first time buying cover for your 7.5 ton lorry you may find some brokers will offer additional discounts in order to win your business. When you have selected a brokerage build up a good history of no claims which will reduce the costs come time for policy renewal.
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'
Ways to Reduce Your Policy Premium
By reducing accidents you will build up a good history of no claims plus your lorry or fleet will spend less time off the road and more time working for you. Many approaches exist, but at the core is good driving and ongoing training to reduce the number of insurance claims. In addition insist drivers perform a walk around safety check ona regular basis. Below we have listed other methods that should lead to lower insurance premiums.
No claims History: If you and your drivers have both a clean licence and a good history of no claims the broker will reward this with a cheaper truck insurance quote than someone with endorsements and a history of insurance claims
Tighten up on security: Underwriters take many factors into consideration when arriving at an insurance premium for a 7.5 tonne lorry. One of these is the security of your lorry and trucks, as such adding insurance approved gadgets like immobiliser, a telemetric device and providing secure overnight parking will help reduce your annual premium. Also don't forget other things for example reversing alarm to warn nearby pedestrians or other workmates
Increase the excess: The excess is the amount that you will be liable for if you are able to increase this your broker should reward you with a premium discount.
Reduce admin costs: Pay for your policy annually should also provide a discount to the quoted price. However, brokers are flexible and will accommodate your preferred method be it monthly or quarterly.
Fleet insurance: Often overlooked, but if you have more than one vehicle it will pay to consider taking out fleet cover instead of taking out individual policies.
Types of lorry insurance available
Each policy can be tailored to the needs of the individual or the business. Some of the most common elements included in 7.5 ton truck insurance are listed below: