A Guide to Truck Insurance

Whether you own one truck or a fleet, you need to make sure you have the right protection in place.

Below is a guide to truck insurance to help you out.

Types of truck insurance

  • Road risks – Road risks will make sure your trucks are road legal and so getting this type of cover is a necessity. If you only want minimal protection then you can get a third party only policy, however this doesn’t provide any cover for your own trucks. A comprehensive policy will provide cover for all types of collisions, even those that you or your drivers are liable for.
  • Fleet insurance – If you have multiple trucks that you want to insure then you can get a fleet insurance policy.
  • Liability claims – Liability claims are something that every company must be protected against. If a liability claim were to go against your company and you didn’t have the right cover in place then it could be devastating.
  • Legal expenses – If you needed to fight a liability claim in court then having this type of cover would ensure that the legal expenses involved would be taken care of.
  • Breakdowns – Breakdown recovery is certainly a vital type of cover to have when insuring trucks. You’ll be able to have it included as part of your insurance if you don’t already have it.

Ways to save money on truck insurance

  • Pay upfront – If you can pay for your truck insurance annually rather than monthly then this is a great way to make a saving. Most insurance providers prefer when you pay for your policy upfront and in the majority of cases, you’ll be offered a significant discount on the policy for doing this.
  • Get a lot of quotes – Getting quotes is now easier than ever thanks to sites like https://www.cleangreencars.co.uk/. Using such sites enables you to get quotes from different insurance providers simply by filling out one quote form.
  • Hire good drivers – Hiring good drivers is another excellent way to save money on truck insurance. Good drivers to hire are those who are over the age of 30, who have plenty of truck driving experience and don’t have any driving convictions.