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Truck Insurance – Compare Cheap Quotes
Whether you’re an owner-operator looking to insure a single truck, or a fleet owner looking to cover all your lorries, it’s important to ensure you have the right insurance in place before you get behind the wheel.
Trucks are large and expensive vehicles, they play a crucial role in the logistics of many businesses and are an integral part of many business operations. Truck insurance is notoriously expensive, however this soon becomes understandable when you consider:
- Trucks are larger and heavier than other vehicle types, meaning they can potentially cause more damage to third parties.
- Trucks are expensive to produce and maintain, they are also expensive to repair and replace for the same reason.
- The risk of theft is high due to the common knowledge that trucks transport goods and cargo.
Due to reasons like those mentioned above, truck insurance is typically more expensive than the other vehicle types – that’s why it’s really important to compare quotes from a range of different truck insurance providers before you take out a policy.
There’s a lot to consider when comparing truck insurance, whether you’re insuring a single vehicle or a fleet of lorries. While there are obviously different coverage levels to choose between, the best truck insurance policies will cover you, your truck and any third party damages you may encounter on the road.
Who needs Truck insurance?
Whether you run a business that relies on a fleet of heavy goods vehicles for its business operations, or simply are the sole operator of your own heavy truck, Then it’s vital that you have the best possible insurance in place to protect your asset. As previously mentioned, trucks aren’t cheap. They can tower many tens of thousands of pounds over other common road vehicles. Because of this you’ll want to be sure that you are properly covered against any eventualities.
Truck insurance can be referred to by many different names and you may have heard it referred to as HGV insurance. HGV insurance or Heavy Goods Vehicle insurance is used to describe a vehicle such as a truck which is used to delivery heavy goods and typically has a weight of over 3.5 tonnes. These vehicles are typically used to long distances and transport goods both nationally and internationally. They can also accommodate a payload of up to 44 tonnes which puts them leaps and bounds beyond many other vehicle classes on the road. They are also typically more difficult to service and repair as their sheer size and weight can make carrying out repairs more difficult and costly.
However, just because you need a good HGV insurance policy doesn’t mean you should pay over the odds for it – and that’s where we come in.
Quotezone.co.uk’s truck insurance comparison service can help you compare HGV insurance quotes from a wide range of different providers, which could increase your odds of finding the right HGV insurance at the best possible price.
Here are some things to consider when buying truck insurance.
What’s the minimum level of coverage when taking out truck insurance?
As with car insurance, truck insurance offers three levels of coverage:
- Third party only truck insurance – (TPO) This is the minimum level of cover you must have by law in the UK if you drive vehicles on public roads. It covers the cost of damage done to other vehicles, people and their property in the event of an accident but won’t pay to fix any damage to your vehicles or your property.
- Third party, fire and theft – (TPFT) This includes the coverage offered by TPO and also covers the cost of your vehicles if they are damaged by fire or are stolen.
- Fully comprehensive truck insurance – This gives you TPFT and also pays for damage done to your vehicles if they’re in an accident. Some policies will also include windscreen cover and pay to replace your belongings. This is usually the most expensive type of fleet insurance policy you can buy due to its superior coverage.
Third party only truck insurance is the minimum level of coverage required by law in the UK so it’s very important to ensure that you have this coverage in place before you start operating. Due to it being the minimum coverage, third party only insurance is typically the cheapest form of coverage available. This is because it’s only designed to protect third parties if your truck is involved in an accident. If you did opt for third party only cover and your truck is damaged or written off you would have to cover the cost of repairing or replacing the truck yourself. This can be a great fail-safe for most businesses as if your truck is damaged in an incident, although you’ll be covered for any costs caused to third party vehicles you’ll be left to foot the bill for damages to your own vehicle or vehicles. With comprehensive coverage you’ll be covered for any eventuality, which means your business will be protect from potentially disastrous costs.
How much does truck insurance cost?
It’s difficult to predict how much you’ll exactly have to pay to insure your truck. This is because truck insurance companies take a wide range of risk factors into consideration when they are calculating your premiums, and many of these risk factors will be unique to your situation. For instance, the type of truck you own, its current estimated market value, its make and model, the year it was made, the type of engine it has, where it’s kept when it isn’t being driven and the truck’s estimated annual mileage will all factor into the insurance premium calculation. The history of your drivers will also be a key factor in your premium calculations as if they have a history of claims and previous accidents this will also make insurers nervous.
Insurance companies will take into consideration factors relating to the policyholder and any other truck drivers that are named on the policy for obvious reasons. If you are not the primary driver of the truck, then your insurer will want to know who will be the primary operator. Even if you are paying for the insurance policy yourself, it is still required to list who will be operating the truck or trucks as they are the ones most likely to be involved in an accident. The type of info collected will Include their driving record, how long they’ve held their licence and the size of their no claims bonus.
Since so many factors are at play when it comes to the cost of your truck insurance policy, the best plan is to use our price comparison service to compare truck insurance quotes from a range of different insurance companies, and then go with the one that offers the best truck insurance cover at the best price.
The easiest way of ensuring you are getting the cheapest truck insurance for your company is to compare multiple quotes from multiple insurers. This exposes you to more offers on the market and allows for you to get a better idea of what you should expect to pay for your coverage. Once you have a sense of how much your insurance policy is likely to cost, you’ll now be able to hunt down the best-valued deals.
When comparing policies there are a few steps you should always follow before selecting a policy. These steps are to ensure you are getting the best value for your money and are also insuring your truck for the right coverage.
- First, check the price – This will give you an idea of the cheapest truck insurance policies on the market and allow you to match your budget with available policies.
- Secondly, Check what is exactly covered under the policy once you are happy with the price range – remember that the cheapest policy isn’t always the best. If you aren’t insured for the areas you need, then you won’t be saving much in the long run should you make a claim.
- Thirdly, after finding the quote with the right coverage and price – simply proceed with the purchase and start driving with the peace of mind that your trucks are insured.
How can I find cheap truck insurance?
Truck insurance is a significant expense for haulage and logistics companies, but there are a few steps these businesses can take to increase their odds of finding cheap truck insurance. For starters, they could:
- Shop around – First and foremost, truck drivers and fleet managers should shop around by using a price comparison site like Quotezone.co.uk to compare quotes from a range of different truck insurance specialists.
- Ensure truck drivers are experienced and have clean driving records – Truck insurance for young drivers tends to be prohibitively expensive, so it’s best to ensure that any truck drivers named on your truck insurance policy are experienced drivers with clean driving records.
- Avoid ‘any driver’ truck insurance – Truck insurance policies that insure any licenced truck driver to drive that lorry or HGV tend to be the most expensive option, because the insurer won’t have any information about the driver(s). It’s usually cheaper to add multiple named drivers to a truck insurance policy than it is to opt for ‘any driver’ truck insurance.
What type of add-ons can I include with my Truck insurance policy?
As with many other types of insurance, you’ll be able to add on other types of insurance coverage to your truck insurance policy to give your fleet the extra protection it need. Add-ons can vary from insurer to insurer but there are some fairly common types which you’ll find for most insurers. for example common add-ons include:
- Breakdown cover – This is not typically included as a standard on many truck insurance policies but can prove invaluable if one of your drivers needs roadside assistance.
- Goods in transit insurance (GIT) – This covers you for any goods you’re transporting that meet your insurers criteria.
- Carriage of own goods – This Insures tools or equipment you own while in transit. This sometimes falls under GIT insurance but isn’t always automatically included. If you need it, it’s vital to check that it’s part of your GIT policy before making a purchase.
- Hire and reward – If you transport other people for money then you’ll need this type of insurance.
- Employers’ liability – In the UK, you’ll need this by law if you have any employees. It pays the costs if a member of staff becomes ill or is injured because of work. If you employ staff without this type of insurance you could be fined £2,500 for every day you go without it. Employers liability insurance is usually set up when you start operating your business, however if your fleet is new you can have this added to your policy.
- Public liability – This pays legal fees and compensation if a member of the public has an accident or has their property damaged and blames your business.
- Personal effects cover – This covers any personal possessions that are stolen or damaged from your Truck.
- Legal expenses cover – This pays legal fees if you need to go to court.
- Replacement locks – In case vehicle keys are lost or stolen, this will cover the cost of installing replacement locks.
Can Quotezone.co.uk help me get cheaper truck insurance?
At Quotezone.co.uk, we are insurance comparison experts. We help motorists and businesses find cheaper insurance by connecting them to quotes from a large panel of UK based specialist providers. This increases your chances of finding the cheapest Truck insurance policies, as you will have a greater selection of fleet and individual truck insurance quotes to compare simply by filling in one quick form. By filling in a quick form with your relevant details we can offer you quotes from top UK based insurance providers so you can start comparing in moments.