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What Is Special Types Insurance & What Does It Cover?

Plant machinery and equipment can be expensive, so as a business it makes perfect sense to have a policy that ensures any machinery or plant you either own or hire is adequately protected. Plant and machinery is often a highly regarded target for thieves and other would be pests who might wish to cause malicious damage. With expensive machinery susceptible to losses from a wide range of causes you’ll want to ensure you’re covered should such a loss occur. With the right cover in place you can rest easy, safe in the knowledge your owned machinery and plant is covered if the worst were to happen. With cover available upon request as an add-on to our core covers such as Public liability cover and Employers liability.

Hiring In Plant Or Machinery?

When hiring in plant and machinery, you might often agree to a damage waiver with the hire company, meaning they insure the item and you’re made liable for a certain fee should a claim occur. The hire company will often pass the cost of their insurance onto you and your business and you’ll of course need to pay the policy excess in the event of a claim. However if you’re a regular user of hired in plant you can also take advantage of having your own hired in plant cover. Many hire companies will allow you to insure hired-in items, giving you full control over the scope and level of cover you need. You can also avoid the often hefty insurance charge that the hire company would normally pass on to your business. You’ll likely find it works out more cost effective for your business to simply insure the items.

Our Experience & Relationships

Moneycornershop.com is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. Moneycornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business. When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

 

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What Is Commercial Motor Insurance And What Does It Cover?

These policies come in three levels of cover; Third Party Only, Third Party, Fire & Theft or Comprehensive.

As well as the three cover levels you can also select the driving restrictions applied to them. You could have a Named Driver policy which will allow specific drivers named on the policy documents to drive specific vehicles. This is perfect if your drivers will only ever need to drive specific vehicles. Alternatively if you have a large number of drivers that may need to drive all of your vehicles, then you could benefit from an Any Driver policy, though this is usually more expensive as any driver within your business who holds a valid licence to drive the vehicle can do so. You may wish to consider setting an age limit so younger and less experienced drivers cannot be included. Similarly you may wish to avoid drivers with convictions.

Hired In Plant Protection

We can also provide cover for any ‘Continuing Hire Charges’. These are charges that the Hire Company will want even though the insured plant or machinery may not be usable following a claim, for example it may have been stolen or suffered fire or flood damage. With cover typically available as standard over 12 months and covering up to £5,000 worth of hire charges, of course – larger amounts are available upon request.

Your plant, machinery, equipment and tools are essential to getting a job finished on time, or at all, so it’s important that these are protected in the event of an unforeseen accident. Included as an optional extension under some of our public liability policies, our plant & machinery cover is ideal for those working on a construction site, and provides cover for everything from fire to vandalism and theft – and it even covers hired-in plant as well.

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Do You Require Road Risks Cover?

When taking out your policy you can choose from three levels of cover. Third Party Only will cover any third party damage or injury claims made against your business in the event of an accident. It is worth noting that your vehicles will not be covered at all and all own vehicle repairs would have to be made at your expense, but this type of cover is the cheapest of the three. Third Party, Fire and Theft covers the same as Third Party Only but with added protection for your own vehicles for damage caused by fire or if they are stolen. Comprehensive on the other hand is the most expensive level of cover, however it will protect your own vehicles against any damage suffered during an incident.

Will You Be Undertaking Work In Hazardous locations?

There are difficulties generally with the placement of liability insurances and these are more pronounced for organisations involved in high risk activities or work at high risk locations, such as Airports, Oil, Gas, or Petro Storage Depots, Towers, Steeples, Chemical Works, Bridges, Chimney Shafts, Blast Furnaces, Viaducts, Mines, Quarries, Tunneling, Dams, Reservoirs, Docks, Harbours, Piers, Wharfs, Jetties, Ships and Railways.

As a result, in many cases premiums are increased considerably. However, with our established and substantial connections with Insurance Companies and Underwriters in London, we have developed unique and special arrangements whereby insurances are arranged for liability and other covers at competitive and realistic terms.

Could Your Business Benefit From Some Business Finance?

If you are looking for Asset Finance in order to buy new plant – then speak to our experts of click on our Business Finance section of the site to learn more.

Want To Get A Quote?

Want to find out more, speak to an expert or get a Special Types insurance quote?

Call our specialist team on 0330 043 0003 or click ‘Start Quote’ to find out how much you could save.

 

 

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