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  • Cover for modifications to your vehicle and extra equipment
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Recovery and Breakdown Truck Insurance

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Ian Beevis Insurance Expert

What the experts say...

"Having insurance for recovery trucks is essential, as it provides tailored protection against towing risks, safeguards valuable assets, and offers coverage for third-party liabilities. With this insurance, businesses can ensure their operations continue smoothly while staying compliant with regulations in the transport industry." - Ian Beevis, Founder of Clean Green Compare


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Get insurance quotes for your recovery or breakdown truck now.

  • Tailored Road Risk Cover – Specifically designed for individual recovery trucks, ensuring your vehicle is always protected on its journeys.
  • Comprehensive Recovery Fleet Insurance – Offering robust coverage options for your entire fleet of recovery vehicles, ensuring peace of mind across all operations.
  • Integrated Combined Cover – Seamlessly combining your business premises, contents, and recovery vehicles under one comprehensive policy for total protection.
  • Specialised Cover for Recovery Vehicles – Expertly crafted insurance solutions, catering to the unique requirements of specialist recovery vehicles.
  • Extensive Tools and Equipment Cover – Protecting the tools and equipment that are essential to your business, whether they’re at your premises or in transit with your vehicle.
  • Substantial Liability Cover – Providing substantial coverage of up to £10m for Public Liability and Employers’ Liability, ensuring your business and employees are safeguarded against claims.
  • Exclusive Policy Access – Unlock access to bespoke insurance policies, specially curated and not commonly available on the general market.
  • Adaptable Payment Arrangements – Flexible payment options designed to suit your business’s financial planning and cash flow requirements.

A Guide to Recovery Truck Insurance

Whilst recovery trucks are used to assist other vehicles that have broken down or been involved in accidents, the recovery trucks themselves need insurance too. The cost of a recovery truck insurance policy will depend on a few different factors such as the history of the driver and the level of coverage being sought. Often recovery trucks are owned by a company so they’ll be insured as a fleet. If you’re looking for quotes for recovery van insurance from 3.5 tonne plus then you can click on the green button at the top or bottom of this page.

Who Requires Insurance for Breakdown and Recovery Trucks?

Anyone who owns a recovery truck needs insurance. Whether its to pick up broken down vehicles and bring them back to your garage or to operate a comprehensive rescue and recovery service it is essential to have the appropriate insurance coverage for all your activities.

If you operate from a yard, compound or garage you can also obtain coverage for your premises, which includes on site vehicle storage well as protection for your tools and equipment.

The panel of insurance providers typically provides coverage for drivers aged 25 70.

Types of Recovery Truck Cover

When taking out a Breakdown Truck Insurance policy, you need to think about what types of cover you want to have included. Minimal cover will be less expensive but offers little protection so this is something you have to think about. Below are some of the main recovery lorry insurance options available –

  • Loss of licence – Being unable to work due to losing your operating licence can put you under a lot of financial strain. Loss of licence will compensate you in such a scenario.
  • Public Liability Insurance: Protects against legal fees and claims from the public for alleged personal injury or property damage, including damage to their vehicles.
  • Employers’ Liability Insurance: A mandatory cover if you have employees, safeguarding against the costs of defending claims of alleged injury made by your staff.
  • Vehicle(s) Coverage: Insure your fleet of recovery trucks or vans under one policy, with options including third party, third party fire and theft, or comprehensive cover, simplifying management and reducing costs.
  • Carriage of Vehicles: Covers the transport of recovered vehicles to destinations such as garages or customer residences, with insurance tailored to the value and quantity of the vehicles you transport.
  • Business Premises Cover: Insures the rebuild cost of any buildings utilised for your recovery operations.
  • Tools and Equipment: Provides insurance for specialist tools and equipment stored at your business premises, like a compound or yard.
  • Engineering Inspection: Offers on-site equipment inspections by qualified engineers, ensuring compliance with Health and Safety at Work legislation.
  • Money Cover: Insures money kept on the premises for business purposes.
  • Personal Possessions Insurance: Offers cover for money and personal items in transit, subject to limits.

What is the typical cost of insurance, for Recovery and Breakdown Truck Insurance?

The price of insurance for breakdown and recovery agents varies based on several elements, such as:

  • Types of vehicles that require insurance.
  • The total number of miles the vehicle will be driven.
  • The level of insurance coverage chosen for your vehicle(s), such as third party, third party fire and theft, or comprehensive.
  • The number of drivers included in the policy.
  • Each driver’s level of driving experience.
  • The location where your business is based.
  • The monetary value of any tools and equipment that you plan to insure.

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Saving Money on Your Recovery Truck Insurance

Paying for insurance is something that nobody particularly wants to do. However, since you need to have it to drive legally, you might as well try to get the price down as much as possible. Below are some excellent ways to save money on recovery truck insurance

  • Consider a fleet policy – When you have 3 or more vehicles that you want to insure you should always look into getting a fleet policy. You can cover different types of vehicles under a fleet policy and it’s not just easier to manage but usually saves you a good deal of money.
  • Pay upfront – It’s not always feasible to pay for your policy upfront but if you can then you’ll be able to save a good deal of money in the long run. If you do pay upfront then be sure to negotiate strongly for the best price you can get.
  • Get lots of quotes – The most reliable way of saving money on recovery truck insurance is to get multiple quotes from different insurance providers. When you get multiple quotes, you can compare them and see which offers you the best deal. You should never simply go with the first provider you contact since there’s no way to know if you’re getting a good deal.

The Benefits of Getting Cover Online

Below are some of the biggest benefits of getting recovery truck insurance online –

  • Save time – Most people are very short on time these days. If you’re one of them then the last thing you want to do is call different insurance providers to try and get a quote at a reasonable rate. By getting quotes online you can save yourself a good amount of time and hassle.
  • Save money – Getting quotes online also enables you to save money since you can clearly see which providers offer you the best deal.
  • Pick insurance options – A big advantage of getting your recovery truck insurance from specialist providers is that you’re able to select exactly which insurance options you want included in your policy.
  • Simple claims process – There’s nothing worse then having to make a claim and finding that there are obstacles in the way. When you get insurance from one of the providers on the panel you can rest assured that the claims process is quick and easy.
  • Easy set up – Another big advantage of getting your insurance online is that it’s very easy to set up. You can pay using any UK debit or credit card and once the policy is set up, you no longer have to think about it.

Get Recovery Truck Insurance Quotes Now

Getting the best deal possible should be your priority when you’re looking for recovery truck insurance. If you click the green button below you can get access to tailored quotes from a panel of insurance specialists. You can select the level of cover you want and then see which insurance provider gives you the best deal.

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