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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.
Truck insurance is expensive, though – 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 parties you encounter on the road.
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
- Third party, fire and theft
- Fully comprehensive truck insurance
Third party only truck insurance is the minimum level of coverage required by law in the UK, and it’s obviously the lowest level of coverage available as well, 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.
How much does truck insurance cost?
It’s difficult to predict how much you’re likely to have to pay to insure your truck, because truck insurance companies take a wide range of risk factors into consideration when they are calculating the premium. For instance, the type of truck you own, its 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.
Of course, it probably goes without saying that truck insurance companies will also take into consideration factors relating to the policyholder and any other truck drivers that are named on the policy as well, including 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.
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.