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Truck Insurance Comparison

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Appledene Slindon , Stafford- ST21 6LX
Staffordshire , United Kingdom  United Kingdom
Today (Saturday) : Closed

Truck Insurance Comparison - Stafford

A comparison site for truck and lorry insurance in the UK with the full market and all low cost truck insurers that are available . The site look to assist with 7.5 ton to 44 ton trucks in all types such as tipper trucks, curtain siders, flat beds, fridges and skip trucks. Any number of trucks can be done from a single truck to a large fleet. We also offer goods in transit cover and public liability for the haulage business.

Business Operation Hours
Monday 9:00 AM to 5:00 PM
Tuesday 9:00 AM to 5:00 PM
Wednesday 9:00 AM to 5:00 PM
Thursday 9:00 AM to 5:00 PM
Friday 9:00 AM to 5:00 PM
Saturday Closed
Sunday Closed

Additional Information

Driving a truck carries a large responsibility. Most trucks are considerably bigger than an average car, and are much more difficult to move in small confined spaces. It requires a considerable amount of experience and knowledge to drive and move them safely. Despite training courses that are required to pass your Class I and Class II driving test, accidents can still happen.

In order to make the best saving, the clever way of doing it is to compare truck insurance prices from different underwriters. The rates for truck insurance can depend on a number of factors, such as the value of the truck, the age of the drivers, and the level of cover required. Also, the activity of the truck - whether it is carriage of owned goods, or hire and reward, are contributing factors toward the price. In today’s market, truck insurance has become very competitive.

If you are a new start truck business, then you will need cover for the vehicle and goods in transit. By comparing different insurers, it enables the individual to get a complete range of prices. Certain insurers have specific likes and dislikes.

Some underwriters would like to take on new start businesses, whereas others will not. Other underwriters can be very good at combining the goods in transit cover with the vehicle cover in one complete policy. Other situations may arise when the truck in going abroad to a European destination. In this situation, the vehicle will need a green card which means that the vehicle is covered on a fully comprehensive basis whilst travelling to Europe.

Product and Services

As an owner driver of a Tipper working in the haulage business, you will probably understand how competitive this market can be. You are likely to be hauling low value products, such as sound, travel or aggregate. A number of owner drivers will be involved in muck removal, or removing earth. This type of work is generally found on civil engineering projects, such as building roads and motorways.

Usually, the main contractor will sub out the haulage work to smaller owner drivers. If you are just setting up in this line of business, we are able to offer intro discounts, provided you can get a letter to validate your driving history. In situations where you have a good driving history, the history may be transferred into a no claims bonus. This is not available with all insurers, but can be really beneficial to a new start operation.

When you are looking for a policy, there are numerous brokers that can provide quotations. Because truck insurance is a commercial policy, then it is normally not available directly from the insurer, and therefore you will need to go through a broker. When getting a quotation from a broker, they will usually run through the cover, and invariably in the conversation the broker will ask the question “what is the best rate you have had so far?” It is important to answer this question truthfully, as this will help the broker negotiate on your behalf to get the best deal.

Also, when you are looking for a quotation, there are a number of additional features which can help reduce the overall premium. It is possible to name the individual driver who will be driving the truck, or you can have a policy for any driver over 25, or any driver over 30. So, before you begin finding a quotation, you need to establish exactly who will be driving the vehicle, as this will save time during the quote.

As an owner driver working in this sector, the levels of work may go up and down. In reality, there are only twelve month insurance policies and therefore it is vital for the owner driver to secure work all year round, as in the event of the vehicle not being used for any period of time the owner driver will be losing money. Particular quiet times of the year are around Christmas, and the summer holiday months, so you need to negotiate with your provider to get continuity all year round.In essence you need to get competitive Tipper insurance from a specialist broker who compares the whole market.

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