Recovery Truck Insurance

Find a Tow Truck insurance policy that meets with your business or personal requirements

  • Multiple quotes available for all Towing Vehicles 
  • UK and European cover available
  • Heavy Wreckers
  • Specialized breakdown recovery vehicles
  • Flat Beds with Ramps and Winch
  • Vans with Tow Tolly 

Recovery Truck Insurance for both Private and Business Use

Do you need recovery truck insurance ? Cover for work vehicles that are on the road most of the time will be more expensive than standard auto insurance. 

Part of finding the best deal is upfront research and comparing multiple broker quotes. We can help you with this task by providing you with quotes from 25 + UK brokers, that will provide you with a no obligation quote. How? Simply complete the online inquiry form my selecting the Get Multiple Quote button.

a recovery vehicle is “a vehicle which is constructed or permanently adapted primarily for any one or more of the purposes of lifting, towing and transporting a disabled vehicle”.

According to the Vehicle Excise and Registration Act 1994:

recovery truck insurance

The cost of taking out tow insurance will depend on many factors including the driver's history in terms of claims history  and naturally the level of coverage being sought. Tow truck insurance can be privately owned or insured as part of a company fleet. 

If you provide breakdown services wholly by yourself, you will need an owner driver recovery lorry insurance. On the other hand, if you operate breakdown towing service on behalf of a national company such as the AA or RAC, the best cover to purchase would be simple recovery truck insurance. The type of vehicle(s) you have should also guide you in determining the type of protection to purchase.

If you require quotes for pickup truck insurance then select the quick quote option below.  A towing van is an asset if you are working in the motor trade, letting you provide a more comprehensive service to your customer base so make sure you have the necessary level of cover in place from day one.

The UK government has produced a recovery guide  document in order to help you. It is comprehensive and contains guidance and more on dealing with vehicle recoveries.

The range of recovery trucks is extensive ranging from low loading transporters ,trailers, flat bed, hook and chain, slide tow truck, closed for prestige vehicles ,  wheel lift pick-ups  and many more.  This insurance is aimed at owner drivers recovery operators that recover broken down vehicles  privately or under statutory recovery request by the police force.  For this type of cover you need access to  specialist insurance underwriters. We do just that , we can share your requirements with 100 plus such brokers in minutes - Select FAST Quote Now and complete easy online form!

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Driver CPC Explained

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.

“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:

Levels of Cover Available

If you privately own a commercial vehicle used to recover vehicles that have broken down, legally you must insure it before taking it on the road. According to the law, any vehicle that is on the road must have at least third party insurance cover. You should know which bracket your  company falls in to in order to determine the right truck insurance policy  to purchase.

Determining the right level of  truck revovery insurance for yourself or business is mainly a matter of deciding whether you want comprehensive or third party fire and theft coverage. Apart from this, you should determine whether you require fleet recovery  insurance or just cover for one vehicle.

Factors to consider when looking when taking out a recovery truck insurance policy:

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    What are your liabilities (in terms of employees, public, and private)?
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    Do you need any driver insurance or cover for drivers under 25 or 23?
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    Coverage for loading and off loading - in the case of damage to other vehicles
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     Coverage for liabilities with regards to the general public
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    roadside assistance, legal expenses, loss of license, and 24-hour claims hotline

Choosing a Recovery Truck Insurance Company

If you don’t have the right level of cover, it can be quite risky to run a towing recovery business. There are a number of underwriters that deal exclusively with insurance for the recovery business in the UK. However, do not just go for the first one you come across, you need to do your research to know whether the quote offered will be right for your particular business requirements.

The reputation of the company is another thing you should consider, choose a company that has a good reputation for dealing with claims in a timely manner. The easiest way to find out whether you are dealing with a good company is to check what other truck owners are saying. The best way to do this is by Joining online trucker forums and finding out which other  truckers are saying or indeed recommending. Also, ask specific questions about the company you may be looking to do business with. Some of the questions you should ask include:

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    What is the extent of cover provided?
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    How long is the company known to take to pay off claims?
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    What is the average premiums I should expect?
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    Does the company offer custom quotes?
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    How does fleet insurance works for the specific company?
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    Are there any formal complaints made against the company?

The cost of recovery truck insurance can take a huge sizeable out of your business operating budget. Therefore, you want to pay for only what is necessary. Use price comparison websites to get quotes from multiple insurance companies. Most companies offer no-obligation quotes. 

Compare the quotes and find out what you can do to further lower your premiums in terms of increasing the excess beefing up on your vehicle security. Also, make sure you understand the extent of the cover provided. The purpose is to find a broker's policy that provides the best cover at the lowest premium.