Pick-up Insurance

  • Multiple quotes available for all commercial trucks 
  • UK and European cover available
  • Pick up Trucks and Pick-up Vans
  • List Element
  • Cover available for carriage and reward
  • Cover available for own goods carriage 

Is a pick-up classed as a private car or a van ?

A pick up can be used like a car for social and pleasure only, however, it has the ability to be used as a business or commercial van. If you intend to use your pickup for commercial use then you will need commercial pick up insurance which is similar to van insurance.  If you are seeking personal insurance be sure to understand the limitations of use as if these are not strictly adhered your cover will be invalidated.

Need insurance for your commercial or private pick up truck? We can help by enabling you to receive multiple quotes from a panel UK insurance brokers. How? Simply select multiple quotes and complete the online inquiry form and your individual insurance requirements will be shared with panel if insurers.

It is a well-known fact, that in the UK, in order to operate a truck legally on a public road, you must have truck insurance. Whether you’re a self-employed tradesman who uses his pickup vehicle for work, a delivery person who uses their vehicle for work, or someone who just drives a Pickup as a vehicle of choice, it’s important to remember that all vehicles and policies are not the same. If the vehicle you are looking to insure has a front cab, and an open cargo area in the back, then as you most likely know already, you’ll need pick up Insurance.

How to reduce the cost of pick up Insurance

The costs for pick up insurance is guided by the same factors that govern the cost of van insurance. Like vans the more expensive the pick up the higher will be the insurance. The underwriter will not only take into account the cost, but also the average repair costs which is dependent largely on replacement parts. 

If you are considering what make of pick-up to purchase this may be a factor that you wish to take into consideration. Many other factors will be used to determine the final premium that the broker will quote you. We have listed  some of the key ones below. Some of these you can take steps to help lower your risk to the insurer and hopefully your final premium. 

  • Check for deductions for adding extra security devices, for example an industry approved tracking device. 
  • Can you provide safe overnight parking for your pick-up ? If yes make sure that your broker is made aware.  
  • If you only use your pick up occasionally it may be worth considering a policy based on millage, also referred to as pay as you go insurance
  • Can you limit drivers to named drivers only as opposed to any driver?
  • Another option to reduce the costs of pick up insurance is to speak with your broker about increasing the amount of excess. The excess is the amount that you will be liable for should you need to make a claim. If this is increased then the broker has less risk and you should pay less for your pick-up cover.
  • Prove to the broker that you are a safe driver, this can be achieved  by fitting a black box which will measure your driving ability. The black box records simple metrics like heavy braking, aggressive steering, rate of acceleration and speed are just some examples of these metrics that can be used to determine how much risk that you pose to the underwriters.

Types of Pickups Covered

Some factors that will make a difference to your quote are whether or not the vehicle has a standard cab, a double cab, if your vehicle has been modified, and what exactly you use your van for. A standard cab by definition has a single row of seats up front, while a double or ‘extended’ cab will have space behind the front seats, and often will be fitted with a bench seat.

Both 2 and 4 door pickups have a flat open rear making them very versatile, and are used for a multitude of chores.  The rear can be left open for easy access  or covered by adding  carry cab to keep contents safer. Some typical uses these types of vehicles are used for include making deliveries, storing tools that you need to carry our your day to day business or you may like the idea of driving a large pickup truck solely for pleasure. 

If you intend to use your pickup in similar fashion to a work business van then you must inform your broker. Extra cover should be taken out if your moving goods or storing valuable work tools in the rear.  We have listed some of these extra types of cover that may be required if using a pickup for business or commercial use.

  • If you intend to drive your vehicle in Europe then you will need additional cover for driving in Europe, this is normally capped to 90 days per year, please check the policy details.
  • If you are hauling goods then you will need goods in transit insurance abbreviated to G.I.T insurance
  • Courier insurance if you are using your pick up to provide a courier service.