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How To Find The Most Cost Effective Lorry Insurance Programmes
To enable a haulier or HGV operator to manage their business finances effectively having an insurance programme is a good starting point. Insurance for lorries and trucks seem like and often is a massive part of a haulier's budget. However in order to operate legally vehicle insurance is an essential necessity.
Insurance companies who specialise in lorry insurance will be more than happy to work out an insurance programme with you to ensure the insurance cover meets your business needs in the most cost effective way.
If you have a number of lorries they may suggest and recommend that you have a fleet insurance policy. Fleet insurance for lorries can potentially save you hundreds of pounds each year opposed to each lorry having its own insurance policy. Each insurance company will have its own restrictions, exemptions, terms and conditions which you will have to agree to or meet in order to qualify for fleet insurance cover.
One of the key factors in this will be the number, size and type of lorries you operate and what they are used for. There are two different classes of use of insurance available:
Carriage of goods for hire or reward; this provides cover for operators who transport or carry goods for others for which they are rewarded or paid.
Carriage of own goods; this is exactly as it reads! Providing cover for operators who only use their lorry or lorries to transport their own goods and do not receive any payment or reward from others.
Lorries which are one unit and require the driver to hold a class II HGV driving license will have different insurance needs to an articulated lorry which required a class I HGV license to drive.
Insurance companies who specialise in HGV lorry insurance have flexible approaches and a variety of different insurance cover option which can be tailored to suit individual haulier and operator's business needs.
Third Party Only cover provides the minimum legal level of insurance needed to drive on public highways in the UK and most countries within the European Union. Driving outside of the European Union will need to be discussed with the insurance company to ensure that the appropriate and legal requirements of each country are met.
Additional Public Liability cover may also be required depending on the nature of the goods being carried and the potential risk they pose to members of the public should they be involved in an accident. The lorry insurance consultants will advise if this is necessary.
Third Party Fire and Theft provides the same cover as Third Party Only with additional cover for fire and theft. This level of insurance is particularly useful for lorries which drive and stay in high risk areas. Again the insurance consults will advise as to the advantages of having this level of lorry insurance cover.
Comprehensive lorry insurance has many added bonuses, most importantly it will provide cover for your lorry whether an accident was your fault or not. It will also provide cover for the goods you are carrying, this should be discussed with the lorry insurance consults and insurance companies as restrictions will apply.
Author Resource:-
Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for
lorry insurance
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