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Quotezone could help save you money on your truck insurance
When you are working all day driving a 7.5 tonne truck or pick up around, you don’t have time to spare to find a new and competitive truck or HGV insurance quote.
Are you looking for cheap truck insurance to cover your commercial truck or trailer?
Quotezone, and our panel of UK insurance providers, may be able to help you save money on your next truck insurance policy by providing an independent, free, impartial and easy to use truck insurance comparison.
Those are the four main advantages you get when you try Quotezone for your truck insurance. Whether you have a skip, tipper, dumper, flat bed or any other type lorry insurance, our panel of UK insurance providers could provide you with a competitive truck insurance quote based on your requirements.
Why use Quotezone?
- You could save time and money
- Over three million users
- Independent and unbiased service
Could you be saving money on your truck cover?
Most people will agree that paying the lowest premium you can is a good idea. But unless you want to contact every single company you can find all of which takes time you may never know if you have the cheapest quote you can get.
This is where Quotezone could make all the difference. By filling out one form you can then hand the hard work over to us, as we will pass your details on to our UK insurance provider panel. They will get in touch with you and you can then find the best-suited truck insurance for your needs.
Is Quotezone regulated?
All of our panel members are regulated by the Financial Conduct Authority and we are regulated ourselves.
Truck insurance guide
Driving a truck or HGV on UK roads usually requires an appropriate truck insurance policy to be in place. This typically means that it would then be legal to drive and that any insurance could offer protection if the circumstances meant something went wrong.
When it comes to driving a truck or owning multiple truck type vehicles then the insurance requirements could well be the same. Whether or a not a vehicle is used regularly or not doesn’t necessarily matter as insurance is probably still required unless the vehicle in question has been declared off the road.
Things to consider regarding truck insurance
Getting insurance for a truck may seem to be the same as any other vehicle but could be different in terms of the questions asked at the time of purchase. For example it might be the case that a person shopping for cheap truck insurance could be asked about the kind of driving a vehicle may do. Whether or not a truck is used for business purposes could be significant and also if a truck may be driven by various people could all impact the truck insurance policy. Having more than one truck and travel into Europe with the vehicle could also be factors that influence the end premium.
Whilst some different sizes and types of vehicle may be covered under a regular driver’s license it could likely be the case that a truck could require the driver to have an HGV license. Whilst this may be relatively straightforward some truck drivers may have different or complex needs where only a specialist insurance company could help.
Types of truck insurance cover
Like any kind of vehicle cover there could be different levels of truck insurance which may suit different truck owners depending on their individual circumstances. Those looking for cheap truck insurance may only want the minimum level of cover in place but those with expensive trucks could require more comprehensive insurance that protects many eventualities. The different kinds of truck insurance may typically be as follows:
Third Party – this is generally the minimum requirement for drivers to travel legally in the UK. It could provide cover only for third parties including passengers along with any damage to third party property. It may also give protection liability for those towing a caravan or trailer.
Third Party, Fire and Theft – on the whole this is the same as third party cover but it may also provide additional protection by way of fire damage or theft or damage caused during a theft.
Comprehensive – this could give truck drivers the most protection via an insurance policy. It usually includes everything that third party, fire and theft may do but could also offer insurance protection for windscreen damage, medical expenses, accidental damage, personal effects as well as damage or loss to a truck.
Each policy could be very different so it may be advisable to check the policy terms before purchase. A cheaper premium may be available if taking out insurance when using a telematics device as this could monitor driving performance and calculate premiums accordingly.
What classifies as a HGV?
Determining the type of vehicle someone has could give the best idea on the type of truck insurance UK they may need. On the whole each policy could be very different depending on the circumstances of the individual needing cover.
Many truck owners may prefer to have commercial truck insurance but for the small percentage of truck owners that may not need this kind of cover they could perhaps find suitable truck insurance by way of van cover. It really does depend on individual needs as to what may work best.
In terms of HGV weight classification there isn’t usually a one size fits all policy as each insurer could be different. Some classifications could be around 3.5 tonnes and relatively low and other could be much higher around 75 tonnes.
Comparing truck insurance policies
Going online to compare truck insurance might be the most suitable option for many drivers or truck owners. This could be the most convenient way of finding out which the cheapest truck insurance may be as the results could be handled in one single place. Contacting insurance companies one by one may be time consuming and may not produce accurate results based on what an individual needs.
A comparison search online may be more preferable when shopping for truck insurance.
Adding extras to a truck insurance policy could be possible. Things like breakdown cover, goods in transit and public liability cover may all be options available to add to a tailored truck insurance policy.
For truck drivers that carry hazardous materials or goods it could be necessary to take out additional protection. It may be the case that it could require specialist insurance which may be easier to purchase when using comparison services.
Finding cheap truck insurance
Truck insurance could well be a big investment but could well be an important one to consider carefully. Cutting the cost to achieve cheap truck insurance may not be guaranteed but shopping online could cut some expense.
Having security cameras and other safety measures as well as ensuring drivers have clean driving licenses ahead of adding them to a policy could keep prices lower.
Getting insurance in place quickly doesn’t necessarily cut costs so it could always be important to check everything meets the individual requirements before committing to a purchase.