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Truck Insurance

Welcome to truckandcover.co.uk. Truck Insurance isn’t quite the minefield you may have been led to believe, whether commercial haulage or private goods vehicle, HGV, LGV or lorries, any vehicle over 7.5 tonnes to 44 tonnes by UK law should have truck insurance and relevant liabilities in place.

As with most motor vehicle insurance policies, there are several types that can be offered depending on the vehicle you wish to insure and the insurance company you are inquiring with, truck insurance packages can cover the different possible claims that each load and vehicle can cause, industry has built up patterns of claims involving cement trucks to low loaders enabling differing price structures.

Truck Insurance Guide

  • You should give yourself an hour or two when first browsing truck insurance online, familiarise yourself with your own needs versus the terms companies use and match your requirements to a tee.
  • Packages will invariably contain the following as standard and if they don’t, ask why; UK and or EU breakdown cover, excess buy back cover, liability insurance, goods in transit insurance, no claims discount, fleet insurance; public, personal and employers liability, business legal expenses cover, like for like truck cover, accident and sickness and loss of use are just a few main items to ensure are included in any quote you receive.
  • The types of vehicle that can be covered are usally upwards of 7.5 tonnes and can cover such heavy weights as cement trucks, HGV, LGV, Lorries, trucks, skip vehicles, flat bed truck, low loaders, tipper and artics.
  • There are many websites and businesses offering brokering and insurance comparison services, these are by far the quickest way to attain a quote for your exact needs, usually handled by knowledgeable staff, listening and taking on board several broker’s opinions could prove worthwhile before making a final decision.

If you are getting insurance for a fleet of vehicles, no matter the type, then negotiating a good deal and insurance cover could prove worthwhile to both parties, usually the bigger the fleet, the bigger the discount. Truck insurance can seem like hard work at times but the value of a good and well researched policy could save you quite a few pennies in the long run.