Whilst each truck insurance policy will look different depending on the individual’s needs,  there are certain types of cover that are very common and worth knowing about. Below are some of the most common types of cover found in truck insurance policies –

    • Fleet Insurance – If you’re operating a company that owns multiple trucks then fleet insurance is an ideal way of insuring them. The advantage to fleet insurance is that you can insure as many vehicles as you want under one policy. This not only makes it much easier to deal with the administrative side of things but in most cases you also save a good deal of money when compared to insuring the vehicles individually.
    • Public Liability – Public liability insurance can be a very useful option to have included in a policy. If a member of public were to become injured as a result of negligence on your part then should they make a compensation claim you’ll be covered. This can be especially useful for trucking company operators who have a lot of vehicles on the road at any one time.
    • Contents Cover – Any trucks that are used for transporting goods should always have contents cover. This is especially true when the contents are sensitive or highly valuable. Contents cover gives you the peace of mind that if your contents are damaged or stolen you’ll be properly compensated. You should find out from the insurance provider whether or not the type of contents your transporting can be covered and in what scenarios you’ll be covered. For example some policies might cover damage to the goods whilst in transit only. These small details can be very important so be sure to check with your insurance provider exactly what you’re covered for.
    • European Cover – Many truck companies operated vehicles in different countries and often it’s necessary for those trucks to cover large areas across many countries. In this case European cover will insure your trucks whether they’re at home or abroad.
    • Comprehensive Insurance – This is fairly self-explanatory. Comprehensive insurance will provide cover for collisions whether you’re at fault or not. In most cases you’ll also be covered for fire, theft and vandalism.
    • Legal Fees – If someone happens to make a compensation claim against you or your company, it can be very expensive to fight your corner. For this reason many truck drivers choose to have legal fees included in their policy.
    • Loss of Licence – If for whatever reason you were to lose your licence for a period of time, loss of licence cover will compensate you for an agreed period until you are able to get back on your feet. This is not considered a standard type of cover but it is a very useful option to have included in a policy.
    • Breakdown Recovery – This is a must-have for any type of truck driver. Whilst you can breakdown assistance from third parties such as the AA or RAC, most insurance providers will have their own breakdown assistance service too.

Whilst these types of cover are fairly standard, the type of cover that you get will depend a lot on the type of truck you need to insure. Below are some of the most common types of trucks and the best type of cover to get for each.

HGV Insurance

HGVs are one of the most common types of trucks on Britain’s roads. Because of their extremely large size they are usually more expensive to insure than other types of trucks. HGV insurance is available for vehicles that weight between 7.5 and 44 tonnes. The type of cover you can get for HGVs includes comprehensive, third party, fire and theft, contents cover, legal fees, public liability. As with any type of truck insurance, it’s always recommended that you shop around when looking for HGV insurance to get the best possible price.

Recovery Truck Insurance

Recovery truck insurance is available from many insurance providers that you can find online. Often recovery trucks are owned by a company who will own a fleet of them and insure them with fleet insurance. The cost of recovery truck insurance will depend on a few different factors such as the number of trucks being insured, the value of the vehicles and the insurance provider. Shopping around for quotes will always help you to save money so you should do this every time you need to renew your policy.

Flat Bed Truck Insurance

Flat bad trucks are very common in the UK and are an excellent way of transporting large items in a quick and easy fashion. Flat bed trucks are often used by construction companies to transport large machinery to and from building sites. Because they are used for transporting large equipment, this can make them hazardous to drive and therefore a good insurance policy is essential. There are many insurance providers who offer flat bed truck insurance so you’ll have no problem finding quotes. The most important thing to decide upon is the level of cover that you need. A good option to have included in a flat bed insurance policy is contents cover. This means that if the goods you’re transporting are damaged or stolen, you’ll be compensated for them.

Tipper Truck Insurance

Having a comprehensive insurance policy for a tipper truck is vital. Not only are they hazardous to drive because of their large size but they also have very expensive components that are very costly to replace. Tipper trucks can also be the target of thieves because of their expensive parts. When you’re looking for tipper truck insurance you should know exactly what type of cover it is that you need. Any good tipper truck insurance policy should cover damaged or stolen parts of the vehicle as well as covering your for any collisions. It’s also worth considering getting public liability insurance included in your policy with tipper truck insurance since damage can quite easily occur when operating such a vehicle.

Refrigerated Truck Insurance

There are several things you have to cover against when you have a refrigerated truck. Like any vehicle you must cover for accidents but with a refrigerated truck you must also get cover for the goods being transported. If the refrigeration inside the truck ceases to function then the goods will spoil so contents cover is an absolute must for a refrigerated truck. Most large truck insurance providers will be able to offer cover for refrigerated trucks. As always you should seek out as many quotes as you can to ensure you get the best price for a policy.