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0800
988 0976
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The
purpose of vehicle insurance is to provide protection to the insurer and other
road users to cover them from damages as a result of accidents, vandalism, fire
and other damages. Each vehicle has its own special insurance, depending on the
type and make of the vehicle.
Most
insurance companies selling HGV insurance offers online services to customers
to enable them to obtain competitive packages. Also, customers are able to get
a quote instantly or can request for an insurance broker to call them to
discuss their budget, needs and requirements. With the availability of online
services, customers can sign up instantly and immediately arrange for a monthly
instalment.
The
main HGV insurance offered by all
insurance companies are the Public Liability and Employers Liability,
both of which are the most important to have. Public Liability insurance
provides protection against damages to your business by a member of public, but
it only covers employers and not for employees. Employers Liability will
provide coverage in case of accident caused on or off site. Any other injuries
caused by accident on the road are covered separately by employer’s motor
insurance.
Apply for HGV Insurance
Other HGV
insurance offered is the haulage exchange, which allows the employer to
subcontract their loading to others. Insurance companies realised that this is
a growing risk because of many cases of items went missing while on transport,
destroyed by road accidents, fire and the goods get stolen. Thus, this type of
insurance is more expensive, but it can also provide a comprehensive coverage to
lorry or van goods that are being transported.
However,
for a complex superstore in which HGV are owned by different business unit, HGV
insurance is not applicable to this situation. Employers of that business would
need to purchase their own HGV insurance. It has to be noted that HGV insurance
is applicable for vehicles with combined weight of at least 7.5 tonnes, and it
provides coverage to the insurers, its driver and their customer.
In
considering purchase of HGV insurance, you should get advice from an insurance
broker, who will be able to get the best deal based on your business needs,
requirements and the type of suitable insurance.
Call NOW for a quick Qutoe
0800
988 0976 |