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HGV Insurance Risk Management Programmes
Looking for ways to reduce your HGV insurance? There are a number of different approaches which can be taken to help reduce of insurance premiums.
Having a risk management program is a positive way to help reduce overall running costs as well as the insurance premiums.
Insurance companies look very favourably on hauliers who take a proactive approach to reduce risks. Many have consults who will work with you to devise a realistic risk management program.
Vehicle security is a key factor. Reducing the risks of vehicle theft may lower premiums. Having a truck locked and kept in a secure compound when not in use is advisable. Fitting immobilisers, alarms and tracking devices is a common sense approach.
Lorry drivers commonly leave the backs of the lorries opened when they are not carrying goods, just to let opportunist thieves aware that there is nothing onboard. This tactic is used to try and reduce the risks of damage to vehicles and trailers as well as to help reduce entire vehicle theft.
Many insurance companies wish you to install anti theft devices under the terms and conditions of their policies. Discuss these risk reduction tactics with the insurance consultants.
Hauliers transporting high value goods will be wise to have Goods in Transit cover. There will be restrictions and exemptions applied by the insurance company and the premiums will be higher. However, without this level of insurance cover it could be extremely costly should the goods be stolen or damaged.
Those using hauliers to transport their goods may not give the work or contract to hauliers who cannot give them the peace of mind that there is suitable and adequate insurance cover for their goods while they are in the haulier's possession.
The higher the value of the goods the more the insurance premium will be. Hauliers who transport dangerous or hazardous goods should discuss this with the insurance consultants as different terms and conditions will apply due to the higher risks involved. Public Liability insurance may need to be included on the HGV insurance policy.
Collecting or delivering to dangerous or hazardous locations such as gas works should also be discussed with the consultants as these pose different types of risks.
As part of the risk management program on-going driving training should be included. Training courses can help lower overall running costs along with HGV insurance premiums.
It is estimated that a saving of over 15% can be made of fuel simply by drivers being not too heavy with their right foot! The cost of tyres can also be reduced by drivers learning not to over brake when it is unnecessary.
Nearly all drivers fall into a pattern of driving habits over time. If these are poor driving habits they could be costing you a lot of money!
Some HGV insurance companies will offer discounts for hauliers who have or introduce driver training programmes. The amount of discount will vary between insurance companies.
Whatever your HGV insurance needs a risk management program will help you to manage the risks more effectively.
Author Resource:-
Staveley Head are a leading UK insurance broker for hgv insurance
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