Competitive, Quality Truck Fleet Insurance
HGV Fleet Insurance
If you have two or more trucks in need of cover, our experienced team can help you get competitive, high-quality HGV fleet insurance. To get your truck fleet insurance quote, call the Instatruck team on 01332 320540, or start your HGV fleet insurance quote today. Our independent team will compare their markets to find you competitive protection that doesn’t compromise on the quality of cover.
What Is Truck Fleet Insurance?
- Truck breakdown insurance
- Goods in transit insurance for truck owners
- Public liability insurance
- Loss of licence insurance
- Truck legal protection
- European cover
What Types Of Truck Fleet Insurance Are There?
As with most motor policies, there are three types of truck fleet insurance:
- Third-party – the minimum legal requirement to drive your truck on the road. This will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault
- Third-party, fire, and theft – this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault or if one or more of your trucks is accidentally damaged or destroyed by fire or stolen
- Fully comprehensive – provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your vehicle will be covered
Which form of cover is right for you is dependent on your budget and your specific needs. If you’d like some help getting the haulage fleet insurance that’s right for you, then call the independent team at Instatruck on 01332 320540.
Truck Fleet Insurance Policy Options
As well as the above, commercial fleet insurance for trucks comes with the following important policy options:
- Public liability insurance – if one of your truck drivers accidentally injures a member of the public or damages their property, you can be sued for compensation. Public liability insurance of between £1m and £10m can protect you from any losses should you be found liable
- Goods in transit insurance – truck goods in transit insurance protects cargo while it’s being moved or stored by you. Should your cargo or your own goods be damaged, lost, or stolen while being moved, you’ll be able to claim for any losses
- European cover – European cover will insure your trucks and drivers if they do European runs
- Loss of licence insurance – if you were to lose your HGV licence, loss of licence cover would compensate you for losses for an agreed period. This is unlikely to payout in the event of a drink driving, wreckless driving or other at-fault ban
- Truck legal protection insurance – covers you should someone make a compensation claim against you or your company. If you have legal fee cover as part of your truck legal protection insurance that will fund the defence of the action
- Truck breakdown and recovery insurance – if your truck is off the road, it’s costing you money. Truck breakdown and recovery insurance can help get your lorries back on the road and back in business more quickly
What Are The Benefits Of HGV Fleet Insurance
We’re often asked by hauliers and logistics companies what are the benefits of fleet insurance. There are several, the biggest ones being:
- It can work out cheaper – by insuring multiple vehicles on an HGV fleet policy, you can potentially reduce your overall truck insurance costs
- It can save you time – like all fleet insurance, having one policy to administer means a truck fleet policy will save administration time versus having to look after several single vehicle policies
- It’s flexible – you can add or remove trucks and drivers as you need to, and you can also insure your entire team to drive any of your trucks thanks to an any-driver policy option
How Much Does Truck Fleet Insurance Cost?
At Instatruck we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs, compare the market and create a package of cover that fits your requirements to a tee. What we can say is that your HGV fleet insurance quote will depend on factors such as:
- How many vehicles you have
- The value of your vehicles
- The type and condition of your trucks
- The turnover of your business
- The nature of your business and the work you do – carrying hazardous or high-value goods may push up your premiums
- The size of the clients you work with
- Your claims history
- The length of runs you’re doing
- The age of your drivers – young and older drivers can be more expensive to insure
- If you want a named driver or any-driver policy
To get the haulage fleet insurance that’s right for you, call the Instatruck team on 01332 320540. We’ll get to know your needs before comparing our markets to find you a great HGV fleet insurance quote.
Truck Fleet Insurance FAQ
Get An HGV Fleet Insurance Quote
If you’d like some truck fleet insurance help or a haulage fleet insurance quote, call Instatruck on 01332 320540. We can give you all the advice you need and can compare our markets to find you the cover you require.
Like Some Insurance Help?
If you’d like to some fleet, truck, haulage or plant insurance help then please contact Instatruck on 01332 320540. Our award-winning team of independent insurance brokers will be happy to give you all the help you need and provide you with a great value insurance quote.