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Taking Care Of Your Assets
After having spent thousands of pounds on a new or second hand truck or lorry you will want to make sure that you take care of your assets by ensuring you have the right HGV insurance. This can save you vast amounts of money should you find yourself in the unfortunate position of being involved in an accident or incident. Heavy Goods Vehicle (HGV) insurance can seem like an unwanted expense, however, in the UK it is a legal requirement to have any vehicle which is using the public highways to be insured correctly.
Whether you have one lorry or a fleet of trucks there are some very competitive HGV insurance deals available from online insurers and insurance brokers. One of the main advantage of using on-line insurance brokers is that they scour the insurance companies for the best premiums which meet your needs and take care of your valuable assets.
There are a number of things to give consideration to when deciding which insurers to use. They key factor is to remember that your lorry is your livelihood should it breakdown or be involved in an accident which takes it off the road then you will be losing both business and reputation, the need for swift and hassle free claims is essential.
Consideration should be given not only to repair or replacement costs of your HGV, insurance cover for the goods you are carrying is equally important. Goods in Transit or haulage HGV insurance is required to cover costs of damage or loss of client's goods. Typically Goods In Transit and haulage are given a pre-set limit, however, if your cargo exceeds this it is possible and advisable to increase the limit to ensure that full costs are met wherever possible should you need to make a claim.
Although having HGV insurance is a legal requirement keeping your HGV road worthy is also a legal requirement. Insurers will need to be satisfied that your HGV meets these criteria by presentation of all relevant documentation, including a license to carry specific goods, more especially if they are considered to be of a high risk. The insurers will inform you of goods which they consider to be of a high risk and adjust premiums as necessary to ensure you continue to be insured. Likewise if your goods vary it will be your responsibility and duty to inform, advise and update the insurers. Failure to disclose material information may well make your insurance invalid, therefore any claim or part claim may not be paid if you have failed to comply with your 'Duty of Disclosure'.
There are usually charges for alterations or amendments to policies once they have been set up, therefore it is best to discuss your individual needs prior to commitment. Many of the online insurance companies or brokers offer a 'call back' phone option as they appreciate your busy work schedules. Often you chose the day and often the time you wish to be called back, giving you the opportunity to discuss your insurance needs in detail with a HGV insurance advisor.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
HGV insurance
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