What does the best HGV fleet insurance offer?
Anyone owning and operating an HGV will know the importance of finding the right vehicle insurance for an HGV fleet. There are a myriad of risks involved in the haulage industry, not simply for the drivers and vehicles themselves – for example, the sort of goods carried by your vehicles may necessitate goods in transit cover or the inclusion of public liability cover if there is any kind of risk to the general public.
Just as with ordinary vehicle insurance, a fleet operator can take some simple precautions to help reduce the risks to the business, to the staff and to the vehicles, such as carrying out regular servicing and only employing drivers with clean driving licences.
Anyone looking for HGV fleet insurance should consult a specialist insurance broker with a dedicated expert team in providing HGV, truck or lorry experience. They will have the expertise to find insurers who can meet your needs, such as providing and management services for companies with three or more vehicles.
It’s worth knowing in advance exactly what automatic cover and extras you will need to keep your vehicles on the road in the event of an accident – some insurers will provide free courtesy vehicles, such as like-for-like trucks, at no extra cost.
Look for HGVthat gives you an unlimited mileage policy and will also include free legal expenses.
If your drivers are experienced and have accident and offence-free records, insist on protected no claims bonuses for them to reduce your premiums.
And another way to make paying your premiums manageable is to find an insurer that gives the option of monthlypayments to be made via direct debit.
If you’re just starting out in the driving business, there are large introductory discounts available for new couriers and new ventures, so make sure your expert insurance team finds the best deal on the market for you.
Running a business can be tough but finding HGV fleet insurance need not be a difficult task with the right expert help to hand.
Blueangeltech is a leading UK broker and can provide HGV fleet insurance advice and quotes