Insuring a Fleet of Trucks

When you have a fleet of trucks that you need to insure then you want to get the best policy possible.

The type of cover you need will depend on the type of trucks you need to insure. For example if you have gritter lorries then you’ll need to get a gritter lorry insurance policy.

One thing that’s for certain is that when insuring multiple trucks, by far the best way of doing it is by getting a fleet truck insurance policy. Fleet truck insurance is beneficial for a couple of key reasons. Firstly it’s much simple to insure all your trucks on one policy than getting separate policies for each. Secondly – fleet insurance nearly always works out cheaper than getting individual policies.

Cover options

Below are some of the main cover options you can get with a truck insurance policy –

  • Third party – Third party insurance works the same way with trucks as it does with cars. With third party cover, your vehicles will be road legal but will only be covered if another party is to blame for the collision. If one of your drivers is to blame for a collision then your truck will not be covered.
  • Comprehensive – Comprehensive insurance will cover your vehicles for all types of collisions, including those that your drivers are liable for. Fire and theft is usually included as part of a comprehensive policy.
  • Public liability – Public liability insurance is always recommended when you own a fleet of trucks. If a member of public were to be injured or killed due to negligence on behalf of one of your drivers then a liability claim would very likely follow. You need to be prepared for such a scenario and having public liability cover is the best way to do this.
  • Breakdown assistance – Breakdown assistance is a must when you have a fleet of trucks. Even if you already have it then it’s still worth enquiring how much it would cost to have it included in your policy.

How to get fleet truck insurance

By far the best way to get truck fleet insurance is by using an online comparison service, such as Multiquote Truck. Such sites enable you to easily get quotes from a panel of truck insurance providers by filling in one simple form.