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Before you renew or take out a new heavy goods vehicle (HGV) insurance policy ask a specialist HGV insurance broker or company to review your insurance programme and policy to help you make the right choices as well as ensuring you are sufficiently insured.
There are two different classes of use under HGV insurance. Carriage of goods for hire or reward and carriage of own goods. Carriage of goods insurance provides cover for hauliers who transport and carry goods for others from which they receive reward or payment. Carriage of own goods is the insurance used by HGV owners who transport their own goods and deliveries and do not receive payment or reward from others.
Insurers class trucks as goods carrying vehicles which have a gross weight over 7.5 tones and less than 44 tones. Rigid lorries are classed as a vehicle which is all one unit and requires the driver to hold a class II HGV license. Articulated lorries have two units. The cab and the trailer which can be disconnected from the cab, to drive an articulated lorry the driver must hold a class I HGV license.
Many HGV insurers look very favourably on truck drivers who have undergone crash reduction training to reduce the risks of being involved in an accident. Insurance providers will be happy to help you find the most appropriate driver training, which may help lower the cost of your HGV insurance premiums.
A truck insurance policy covers the truck itself, depending on what type of insurance you have, and any damage which the truck may cause to others, this is either damage to people or property.
Truck insurance is available for single trucks or fleets of trucks. Fleets of trucks can benefit from having fleet insurance rather than having an individual policy for each truck.
HGV insurance companies have flexible policies to ensure that your individual requirements are fully met. Competitive policies start with Third Party Only which provides cover for damage to third party vehicles and accidental death or bodily injury, however restrictions do apply. Some insurers include European cover with this type of policy.
European cover which meets local laws and regulations is needed for any HGV travelling within the European Union. Other countries have their own specific regulations, if your HGV is travelling outside of Europe the insurance needs will differ, discuss these with the insurance company.
Third Party Fire and Theft includes loss or damage to your vehicle, also travel within the European Union within the restrictions of your policy.
There are some very competitive deals available on Comprehensive HGV Insurancepolicies. Many include such things as breakdown cover, accidental loss of keys, accident recovery in the UK and Europe as well as windscreen cover. Other insurance companies include or offer additional cover for personal belongings stolen or damaged by fire or theft from inside a locked cab, medical expenses for persons being carried in the vehicle and it is involved in an accident involving your vehicle and audio equipment that was fitted as standard during manufacture of the vehicle.
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