Without a doubt one of your perceived most wasteful expenses each year is the one which could well end up saving your business from ruin. No one in the motor trade enjoys renewing their truck insurance but it's a necessity, both by law and for survival. The next best thing you can do is simply ask yourself or the fleet manager responsible "How do I save money on my truck fleet insurance?" To ensure your annual or monthly premiums are the least possible but with the most comprehensive catch all insurance package. It's not an easy question to answer on your own. Even if you've been in the business twenty years, there's always new ways and angle to get on board with cheaper trade cover.
Firstly you need a guiding hand, someone willing to help in every way possible to bring down the cost of your company's truck insurance. Without deleting half of your policy document or undervaluing the value of the parts that require the correct valued sum. This cover is tailored to each company and because of that, we can custom build a document that covers buildings, tools, breakdown recovery. The many different Goods in Transit classes, replacement vehicle, windscreen cover right down to insurance cover against employee sick days and accidents that may involve them. Our specialist brokers are trained in the art of advising before signing. They will offer tips, help and guidance to ensure you have the correct policy for all events your company and vehicles and drivers may face. Ensuring you get the cheapest truck insurance policy but also the best matched.
Many people ask "How do I save money on my truck fleet insurance?" without realising the majority of tasks to save on monthly premiums can be initiated by themselves. More security, CCTV, guards, dogs, night lighting with floodlights, secure parking areas, additional locks on lorries with verification. Better management of the fleet, preventative maintenance, driver training, software that monitors driving ability, routes and mileage. Most insurers today provide telematics, dashboard cams and trade software to help track your business activity. All of these help drive down costs. Why? Because not only is your fleet of trucks more secure but there will be records of any accidents and crashes. With which your dedicated legal team can easily defend your when in the right and put together an actionable defence if you're not 100% holy.
With tens of thousands of trucks moving around the country each and every day, at least one in every of those thousand is bound to end up involved in an accident. Who do you trust to ensure you get the maximum payout after any event? Who do you rely upon to provide the best legal team no matter which way the action goes? Who are the best haulage fleet insurance specialists? and what should they provide? We could talk about ourselves as a third person to get the point across. But when it comes to being proud of our knowledgeable and very specialist brokers, we prefer to shout about it. If you have one or more trucks to ensure, whether they are tippers multi type refrigeration lorries, transporters and low loaders or carrying pallets of fresh goods in HGVs, we want to hear from you.
We think different and do differ from our competitors in that we don't want to get you signed up to new insurance cover without talking to us. You may wish to get cover instantly but you'd be taking the wrong route. Your business possibly turns over millions, employs hundreds and has hundreds of thousands invested in trucks, drivers and cargo. Why rush a haulage fleet insurance policy document. One mistake and your company could have to close, need to reduce drivers or reputation goes down the drain and the tipper trucks will be parked up. To get additional tipper truck advice and information then follow the link. By providing us with all the details on your trucks, buildings, all road risks and Goods in Transit classes required. We can spend time talking to you and delivering the best and cheapest truck insurance quote.
We are the best at what we do and offer. We know the motor trade industry inside and out. We talk to the top UK insurance house underwriters every day. Sealing deals on policies for our clients, that are as much in need of the correct liability cover, breakdown recovery and lesser replacement vehicle surcharges as you are. With minimal excesses, mileage discounts, constantly looking out for your interests all year round. Who are the best haulage fleet insurance specialists? Call us today and find out if we can deliver the correct cover for your trucks, cargo, drivers, staff, premises and equipment. Insurance for UK hauliers need not be a time consuming exercise for you. We will assess and research every particular to deliver the best insurance comparison on the market that matches your needs.
A motor trade insurance policy is tailor made which means there are many different ways each policy document can be created. You might ponder these and try to figure out where you can cut corners financially. For instance. Can you add more than one vehicle type to a policy or is named driver cheaper than any driver on a fleet truck insurance policy? As a fleet manager, owner drive or business director it's your choice which route you take. From a business owner's perspective it might be better to outsource drivers and trucks and relieve yourself of insurance responsibilities past that of the cargo and Goods in Transit. However clients like trust and an insurance policy which enables the company to back it up in a timely manner.
With regards adding other vehicles, yes you can - as long as they are business related. When you compare named driver additions to allowing any driver. Adding named drivers may cost slightly more, allowing any driver means they are only covered for third party cover, naturally a lesser insurance that you might like. Named does not mean your insurance premiums will be hiked prohibitively so. It just means you're in a clearer area of insurance responsibility. A named driver, with all details known by an insurer is a better place to be when it comes to claims and provision for premiums. There is more risk for an insurer if it is any driver but the driver himself will be insured.
One item to be wary of however is the No Claims Bonuses that your company may rely on being pooled. Not all insurers allow NCBs for named drivers as they are not independent insurance policy holders - some do and it's worth researching. Named drivers is possibly more expensive than a single driver to cover but less than any driver. In the event of a claim, named driver may be more straight forward also, depending on where the blame is apportioned. Any named driver receives exactly the same coverage as the single driver or company. find more help about HGV fleet insurance see the other page. So is named driver cheaper than any driver on a fleet truck insurance policy? If the above is not so clear, complete the short enquiry form and we'll call back at your earliest convenience. We can insure any driver, named, young or with convictions, we simply need the details and background to be able to confirm the initial quote.
There are many different circumstances in which lorry fleet insurance can be purchased. The main reason however is to cover the daily grind which your company faces. Be that driver accidents and care, vehicle parts replacement, breakdown and accidents. Or any other policy built in to cover tools, machinery, cargo and goods transported or visitors. We tailor each document to provide the correct sums value insurance for each of the above, and a percentage of that goes towards public liability and indemnity insurance, should you carry out work on your own or other third party vehicles. What is not always as clear, is "Can I add any vehicle to my lorry fleet insurance policy." Yes and no.
A truck fleet insurance premium tends to only cover business related activities. It's not the same as general motor trade insurance whereby you may be a part time mechanic and also drive the same vehicle laden with tools, to events or locations that are not business related. i.e. taking your children to school in a 7.5 tonne skip lorry. It also comes down to the way the policy particulars are worded. For instance you may be a named driver and therefore covered to drive any vehicle, which may be private or only business. Or you may simply have certain vehicles owned by the company insured against all road risks, fire and theft. In which case another vehicle, owned by someone else may not be eligible.
Because the situation surrounding other vehicle, either private or business related can be a little cloudy. It's always advisable to call one of our specialist brokers or the 24 hour help line for assistance. We will endeavour to resolve the issues within minutes. Either advising that you can add a vehicle to the MID, that you are already covered or that you will need to change the policy to multi type or a n other. See more questions and answers from a haulage specialist Can I add any vehicle to my lorry fleet insurance policy is not a silly question. In fact, if a lorry breaks down and needs repairs and you simply borrow a vehicle from another nearby sister company but use one of your own drivers, it can get confusing. If you need reassurance before you buy, ring for a comparative quote or to get advice and we'll be only to happy to help you understand which vehicles you can add to a lorry fleet insurance policy.
When you're dealing with one of the motor trade industry's leading truck fleet insurance providers, you expect clear cut answers. Many of our competitors will point blank tell you that they will only provide Provide insurance drivers that are 25 years of age or older. So whats the best age. So what's the minimum age on a truck fleet insurance quote arranged by our specialist brokers? Believe it or not, we can get your motor trade business, your trucks on the road and insurance cover set up instantly. For business owners as young as 17 providing they have the correct certification in the eyes of the law. Quite, you may well find premiums that little bit higher but if experience can be proven and other policy particular credentials met. These costs can often be brought down in line with an insurance policy for truck fleets which is more average.
By far the most favourite age group to insure is those between the age of thirty and forty five. Indeed, it goes with any industry that this age group is just old enough to know enough and not old enough to be forgetting or becoming stuck in their ways. With children now able to learn to drive in a more public manner, from age ten upward. It should be no surprise that some when they hit age 17, area ready to take their hobby and interest to the next level and into business and the motor trade. In fact,we are very supportive of younger people coming into the motor trade industry. To fully understand HGV insurance and what we are talking about our site can give all the answers. We provide tips and helpful advice to ensure you don't miss a thing. From the correct class of Goods In Transit, through to managing driver no claims bonuses.
If you expect to grow quickly, or wish to take it slow, if you have three or more trucks, whether multi type or the same, we can find cover for your business needs whether you are managing the company or an owner driver too. Brexit beings its problems and you may be asking "What's the minimum age on a truck fleet insurance quote if I drive in Europe?" We don't expect rules to change that much after leaving the EU. In fact, vehicle law has pretty much been passed to the UK and upgraded via the EU. In all likelihood most laws on the statute books will retain the majority of motor trade law, simply because it works and has been accepted for the past decade. If you're 17 give us a call. If you're 16 please please feel free to get advice from us now so you're ready.