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HGV Insurance Programmes Designed and Tailored to Meet Business Needs
Hauliers who wish to keep ahead of their competitors are wise to give serious consideration to having an insurance programme which is designed and tailored to meet their business needs.
Many insurance companies which specialise in heavy goods vehicle insurance will be more than happy to offer their expertise in helping you to devise a programme which covers all aspects of your insurance needs and trying to help lower the costs in the most effective and efficient ways possible to keep you in business and your vehicles on the road.
With the current economic downturn in the UK, hauliers will be actively looking to reduce their running costs in any way they can. However, having inappropriate and inadequate insurance cover is not a effective cost saving and could turn out to be a very costly error to make. More especially as the country is also seeing an upturn in the blame culture that appears to have arrived from across the pond.
Members of the public and some employees are looking at making a claim against hauliers every way they can. In the past employers relied heavily on employee trust and loyalty to keep claims low. However, it would probably be very narrowed minded to still believe that this is still the case.
Hauliers will need to ensure that their vehicle and its driver or drivers are covered sufficiently and include all aspects of potential or actual loss of goods from their employees. This includes siphoning of fuel as well as accidental loss or damage to goods. It is estimated that virtually all large haulage companies suffer substantial losses from employee theft, which for the most part go undetected every year.
Hauliers which operate on the continent will also have to ensure their insurance meets the minimum requirements for travelling within the European Union. This means that a minimum insurance cover of Third Party is required. Those operating outside of the European Union should inform their insurance company to ensure they meet the legal requirements of each non-European Union country they are travelling through.
Insurance programmes are also designed to help you save on costs as much as possible. The insurers will need to be informed of the type of goods you are carrying and the destinations. Transporting hazardous goods will command higher insurance costs as will delivering and collecting from high risk areas such as gas works or power stations.
Aspects such as having adequate security devices, alarms and immobilisers fitted to the vehicle, making sure the vehicle is stored securely when not in use and other factors such as tracking devices, will all be recommended by the insurance companies as a proactive way to reduce the number of claims you may have to make.
On of the key features to most insurance programmes is that they are revisited and updated on a regular basis to keep one step ahead of your changing business needs. Insurance companies who specialise in HGV insurance will often dedicate specific insurance consultants to help forge an excellent customer relationship to help you remain in business during these difficult economic times.
Author Resource:-
Staveley Head are a leading UK insurance broker for hgv insurance
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