Why HGV Insurance? Any UK based insurance company is open 6 days a week for your call to take your query. The qualified staff will guide you throughout the procedure of obtaining a HGV insurance quote. Offering useful advice and help throughout the quote. Calls are free, just use 0 800 numbers.
How to find out if you need HGV insurance or not? Well, if you have an established lorry business, an accountant with a commercial property or an HMRC (HM Revenue and Customs) registered business then you most likely will need to get hold of an HGV insurance broker. If you are thinking of starting your own haulage fleet insurance company then it makes financial sense to get hold of an HGV insurance broker who will provide you with insurance quotes that suits your specific needs. The quotes will be tailored to your specific vehicle as well as the size of your business and whether you will be storing goods or not.
An example of a type of hgv policy would be a third party only policy. This type of policy is usually suitable for someone who doesn't need to store their goods whilst on the road and it's also good for someone who needs a temporary space to store their goods while they're waiting to leave the premises. Third party lorry insurance policy usually comes with a low excess, which means that you won't be paying any money up front, before the insurance company will pay for any loss of profits. As you will not be storing goods from your lorry whilst on the road, you don't need to buy a separate warehousing insurance policy which could increase your costs.
What types of goods does he cover? Well, it covers all types of transport for a driver and it usually doesn't matter what type of vehicle it is either. If your vehicle is a small personal transport vehicle such as a small van, it is unlikely that you'll need to take out separate hgv insurance cover, unless your company provides you with specialised storage facilities. Most large haulage companies do offer specialised warehouse facilities, however. You should check with your provider whether they offer any cover for stored goods and if so how much of a premium you will have to pay.
Some of the most common types of high insurances are for vehicles and goods-in-transit. If you're storing goods for long periods of time, it makes sense to secure an insurer who offers warehousing insurance as well. A lot of people use small vans to transport goods in and out of business premises and it is very common for some of these vans to be driven on the motorways. Many drivers won't be adequately covered for the vehicle in the event of an accident or a breakdown and an adequate hgv insurance package should protect your vehicle and any goods inside.
There are different types of hgv insurers and most provide good value for money when you insure a vehicle or goods-in-transit. You should compare quotes from several online insurers to make sure you get the best deal possible and an insurer who offers you the security that you need at a price you can easily afford. If you've just purchased a new vehicle and have just purchased goods for storage, it's worth finding out if you're able to get warehouse insurance from your new haulage company - some insurers will insure your new vehicle against break-ins while in storage, but others won't. Insurers will also vary over the level of protection provided - some will offer you full insurance coverage for your new possessions, whilst others will provide you with protection for a specified amount of time after the vehicle has left their care.