What sort of HGV Insurance do I need?
The haulage industry covers a wide range of businesses from sole suppliers to large fleet operators. Each business has different needs, for example, different vehicle sizes, vehicle specifications ranging from skip lorries to large refrigerated articulated lorries, customer contracts and goods carried. We can easily amend your HGV insurance policy to consider these needs but it does not stop there. Some key areas you should consider include:
Cover for driving HGV’s on the road (Road Risk) – in addition to the standard considerations, such as who you want to be able to drive your vehicles, have you considered cover for driving abroad? CMR cover (Convention on the Contract for the International Carriage of Goods by Road) is required if you move goods between 2 different countries including the United Kingdom, Republic of Ireland, the Isle of Man and most of Europe.
Employee Liability Cover – required if you employ anyone, to cover the cost of compensation, should they be unfortunate to be injured whilst at work.
Third Party liability – you need sufficient cover for any sub-contract terms and conditions you currently have or may need in the future. Having the right level of third party liability cover can not only protect your costs in the unfortunate event of an incident, but can also help you win new lucrative contracts.
HGV Goods in Transit Cover - as cargos can be very expensive it is essential to have the right protection for the types of goods you carry. We offer cover for most needs, including temperature controlled goods and hazardous materials requiring an ADR licence (European agreement concerning the international carriage of dangerous goods by road). Having the right level of cover here can also help you get the competitive edge when tendering for new contracts.
Haulage Distribution Centre Contracts – some customers have specific insurance requirements. For example, if you work at a distribution hub we can tailor your cover to meet your customer’s contract needs.
Get tailored, great value protection
Many insurers offer a one size fits all HGV policy. Quote Me Today’s commitment to both meeting the needs of hauliers, in today’s complex world, and our relationship with our insurers, mean that we are able to offer you bespoke HGV insurance, so you don’t pay for cover that you don’t need. We can personalise your package as we have, not only flexible HGV policies, but also a large range of additional cover options including HGV good in transit cover, breakdown assistance and European cover. We can help you structure your policy in the most cost effective way, for example split level of cover for individual contract needs, including your company vans and cars in one package and bonus accelerators for new business. These are all things we offer to help save you money, ensuring you have the cheapest HGV insurance deal available to us. Due to our strong insurer relations we have a large range of competitive policies and a number of discounts, such as for limited radius and security discounts, to ensure you get great value.
Get a quote today
Call one of our specialist HGV insurance advisers today on 01227 285 540 and they will find you the cheapest package available to us for your needs. Alternatively, fill out the form above and one of our advisers will call you back as soon as possible.