A Guide to Truck Insurance

If you’re currently looking for truck insurance, either for a single truck or a fleet, then you should find the guide below extremely useful.

Types of trucks

 

Below are some of the types of trucks that can be covered by a truck insurance policy

  • HGVs
  • LGVs
  • Flat bed lorries
  • Refrigerated trucks
  • Recovery trucks
  • Tipper trucks
  • Skip lorries
  • Gritter lorries
  • Vans

Types of cover

  • Road risks – Road risks are the most basic type of cover you need for a truck. It will ensure that you’re able to drive the truck legally and that at the minimum, other parties are covered if you’re involved in a collision. You can choose from third party, third party, fire and theft or a fully comprehensive policy.
  • Contents insurance – Contents insurance is always a good idea when your trucks are transporting goods. Contents insurance can cover the contents of the trucks for theft, damage and spoiling.
  • Liability claims – Liability claims are always a risk for trucking firms so having public liability cover included in a truck insurance policy is always recommended. It’s also possible to have legal expenses included as part of this. Employer’s liability is another type of cover that you can get with a truck insurance policy and this will cover you for claims from your drivers.
  • Breakdown recovery – Another very important type of cover for trucks is breakdown recovery. It’s of course possible to get breakdown recovery from a third party provider but you might be able to save money by getting it included as part of your policy, particularly if you’re getting a fleet policy where multiple trucks need to be insured.

Getting cover online

Getting truck insurance online is very quick and simple thanks to the myriad of insurance comparison services out there. Getting quotes online is very easy and you can easily tailor your quotes to suit the exact needs of your business. You also have the added bonus of having no pressure from insurance providers that you get quotes from.

If you have any more questions about truck insurance then be sure to check out these FAQ