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Is Your HGV Insurance Worth The Paper It's Written On?
Any haulage company will know that finding the right insurance policy which offer the best value for money can be a real headache. However, if you take the time to sit down and work out exactly what cover you need to operate your business legally and successfully there are some fantastic bargains to be had from a number of different insurance companies who would love you come on board with them!
So how do you separate the genuine offers from the so called cheap deals, which in many cases aren't worth the paper they are written on?
* Firstly it would be wise to look for insurers who specialise in HGV insurance. This may sound obvious but there are many insurers who are unable to offer the cover you need which is unique to the haulage industry.
* Look for insurance companies who work with you to tailor a policy to meet your needs as well as offering guidance and suggestions as to ways you can make your insurance more affordable, such as the companies who realise that having a lorry off the road after a accident or theft will impact hugely on your business.
* It may also be wise to opt for companies who will offer insurance for all types of HGV vehicles, such as skip lorries, tipper trucks, classic lorries or artics, as these are the ones who are more likely to have panels of consultants who are experts within this field of insurance.
* Make sure the company will provide cover for the lorry itself, the driver and the cargo on board. If you employ drivers then you will also need employer's liability cover as well as public liability cover.
* If you are hauling goods for payment or reward you will need Goods in Transit cover which provides cover for your customer's goods which they have entrusted you with against damage and loss.
* Operating your haulage or lorry business outside of the UK and a whole new scenario of cover may be needed, depending which countries you are travelling through with the consignment of goods. This is another reason why opting for HGV insurers who specialise in heavy goods vehicle insurance is imperative as they will be aware of the different types of cover you may need.
* The type of lorry and what it is used for will have an impact on how the insurance premiums are calculated. For example any lorry which is delivering or collecting from hazardous or dangerous sites, such as gas works, may need to have additional cover. Likewise HGVs which transport dangerous or hazardous materials will also need to have HGV insurance which is tailored specifically to meet their needs.
* Your drivers will also play a huge part in the premium costs. Those which have a poor driving history and have driving offences or penalty points on their license will increase the cost of the premiums. Those who have a good driving history will help to lower the premiums as HGV insurance companies always welcome careful drivers!
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