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The Guide To HGV Insurance
Have you recently bought a Heavy Goods Vehicle? It is imperative that you know about the HGV Insurance scheme. A HGV Insurance policy is meant to insure a Heavy Goods Vehicle, also known as a Large Goods Vehicle. The HGV insurance scheme defines Heavy Goods Vehicle as those weighing above four tons and used to carry heavy goods, pallets and livestock all over the globe. Basically, HGV Insurance is classified into three types. The Public liability type insures the damages done by the public to your vehicle. The Employer liability insurance covers any on,site or off,site accident, though it doesn't cover the road accidents. The Haulage exchange type covers goods during their transit against theft, road and fire accidents and vandalism. In most of the areas it suffices to have minimal HGV Insurance coverage, but for companies and drivers it is mandatory to have comprehensive HGV Insurance cover.
A HGV driver should have a specialised driver's license, and is also required to follow certain restrictions regarding drug and alcohol use while driving. Since HGV driving requires better skills than driving a car or a small truck, HGV Insurance companies require that the drivers fulfil certain qualifications regarding their age, driving experience etc before bringing them under the ambit of insurance cover. HGV Insurance providers do not offer insurance cover against legal issues, but offer cover for a wide range of heavy goods including hazardous materials, chemicals etc. Certain HGV Insurance providers do not cover hazardous materials, as underwriting could be a difficult task.
HGV Insurance is more or less similar to a conventional insurance scheme, as the vehicle owner pays a premium annually or semi,annually for the amount of coverage provided by the HGV Insurance companies. The basic level of HGV Insurance covers damage done to other vehicles, damage done to the contents of the truck, theft of the goods, and transit insurance for the goods which assures the third party freight company protection for the goods in the event of mishaps during transport. This facility of covering the consignment even during the transit makes the HGV Insurance extremely special.
The first time users of HGV Insurance should exercise extreme caution from being tricked into choosing a more expensive plan that what is required, by familiarising themselves with terms like no claim bonus, public liability and compulsory deductible associated with the policy. The internet is the best means to know what kind of policy suits your needs, and users should also do some background checks before choosing the HGV Insurance provider. Theft of HVGs and goods are widespread in the UK with up to ten vehicles stolen per day on an average, and hence it makes it extremely necessary for HGV owners to avail HGV Insurance. You could obtain a cheaper HGV Insurance and hence maximise savings by fitting alarms and tracking devices on your vehicles, which could help recover them in case of theft. Having a clean record on your HGV also helps in getting a cheap HGV Insurance.
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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