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What Is Commercial Motor Insurance & What Does It Cover?

In today’s market, truck fleet insurance has become very competitive. If you are a new start truck business, then you will need cover for the vehicle and goods in transit. By comparing different insurers, it enables the individual to get a complete range of prices. Certain insurers have specific likes and dislikes. Some underwriters would like to take on new start businesses, whereas others will not. Other underwriters can be very good at combining the goods in transit cover with the vehicle cover in one complete policy. Other situations may arise when the truck in going abroad to a European destination. We can provide you with competitive choices for your Truck Insurance Policy.

Commercial Truck Insurance Explained

Truck insurance is a commercial policy, it is normally not available directly from the insurer, and therefore you will need to go through a broker. When getting a quotation from a broker, they will usually run through the cover, and invariably in the conversation the broker will ask the question “what is the best rate you have had so far?” It is important to answer this question truthfully, as this will help the broker negotiate on your behalf to get the best deal. Also, when you are looking for a quotation, there are a number of additional features which can help reduce the overall premium. It is possible to name the individual driver who will be driving the truck, or you can have a policy for any driver over 25, or any driver over 30. So, before you begin finding a quotation, you need to establish exactly who will be driving the vehicle, as this will save time during the quote.

Our Tips For Truck Insurance

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. This type of policy is ideal for a busy company with multiple vehicles and many drivers such as a taxi firm, hauliers or a delivery company.

Heavy Goods Vehicle Insurance Policy

Over a period of time there have been a number of new insurers that have come into this marketplace. With HGV insurance, it is advisable to compare and contrast as many quotes as possible. We know the markets, and in so doing we can negotiate on behalf of you. If you are just beginning in the transport and haulage business, then you should be made aware that some insurers have been hit with heavy loses in recent years therefore some insurers will not quote for new ventures. There can be a number of unforeseen costs and it is very important to maintain a good track record with the insurers so that a no claims bonus situation can be increased allowing the premiums to fall.

 

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Who Is Best To Cover A Truck Policy?

In recent years prices have risen due to large number of claims within the market. It is important to compare lorry insurance quotes from a wide number of insurers and underwriters. By requesting a quote from a large number of insurers, it is possible to make them compete for the business, and in so doing you can reduce your overall premium. We have good relationships with a number of insurers, and by looking around the market certain insurers will over accelerated bonus. This means that when a truck has two years or more, and a good track record, the bonus can be accelerated to the maximum allowance. Another useful feature with certain insurers is the introductory discount. This allows a new start operator to get up to 5 years intro discount when they have a letter from the previous employer to show that there have been no claims.

Do You Have A Tipper Vehicle?

Running a small or large tipper vehicle can present significant challenges. As you are probably aware, there are numerous costs involved. Rising fuel costs in recent years have put a significant strain on companies working in the haulage sector. Increased legislation regarding driver’s hours, and compliance procedures can also increase costs. Nowadays, all drivers need a certificate of competence, which involves additional training for drivers. Whilst this good for the overall industry, it can have the effect of increasing the running costs to the firm. Therefore, one variable that needs to be carefully evaluated and managed is the insurance premiums, as if these are not controlled well it can have a devastating effect on the company.

Will You Require Cover For Goods In Transit?

Depending on what product you are carrying, you may or may not require goods in transit cover. If the commodity is of a low value then it may not be required, however, if you are carrying valuable items such as non ferrous metals or electrical goods, these can be theft attractive and your distributor will probably require you to have goods in transit cover. Make sure you communicate your needs to our team of experts who will endeavour to find you the best deal for the cover required.

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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. This type of policy is ideal for a busy company with multiple vehicles and many drivers such as a hauliers or a delivery company.

Cover For 44+ Tonne Trucks

If you own and operate a 44 tonne truck, you will probably be aware how high some of the running costs can be. You probably understand the cost of fuel, the rising cost of good drivers, and the general running costs of a vehicle of that size. Generally, a 44 tonne truck will be pulling a trailer which would normally be a 3 axel curtainsider or flat bed. Curtainsiders are generally used in the movement of pallets. This allows the trailer to be loaded from both sides, or it can be reversed to a hob, and the pallets loaded at the rear. Flat bed trailers are generally used in the movement of engineering materials such as steel or aluminium. These products do not really need to be enclosed and can be out in the elements. They are generally secured to the trailer via straps and can often be craned on and off to the back of a vehicle. Operating this kind of vehicle may involve using different types of trailer and this might be intermingled with a fridge, a flat, or a curtainside.

When owning and operating a vehicle of this size, certain disputes can arise. These disputes may come regarding your operator’s licence. It is a requirement that the vehicle has regular inspections and is maintained to a good standard. If the operator breaches these regulations then he may have the operator’s licence suspended or revoked. Other disputes can arise if goods are damaged and complications can occur as to whose fault the damage was. By having legal cover, this enables the operator to be covered for up to £100,000 of legal fees. So, an owner operator who is looking for 44 tonne truck insurance needs to carefully consider whether this add on is required

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Want to find out more, speak to an expert or get a Commercial Motor 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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