HGV Insurance Advice

HGV Insurance or Heavy Goods Vehicle Insurance is a very different kettle of fish to normal car insurance and buying it requires a degree of specialist knowledge. Our expert guide has been pulled together by Isis’ own HGV experts and is designed to take the guess work out of picking the best premium for your business…

Insurance for carrying large loads must also cover the items you are carrying too – and that little load can add up to some serious money if you happen to be carrying high value goods like electrical equipment or even cars.  Full coverage gives you the peace of mind that if something should go wrong then you won’t end up shouldering a hefty bill.
The important thing here is to search for good insurance brokers like Isis who will allow you to pay for full coverage monthly as the slightly higher premiums involved can be spread out over the year, preventing any cash flow problems.

Cheap HGV Insurance usually covers basic things like damage done to others’ property, be that another vehicle or a dwelling etc. If that is all you need then this can save your business money but be careful that you do not leave yourself short when accidents do occur. In our experience it is worth paying a little more to cover theft from the vehicle and goods in transit insurance as it shields you from the unexpected.
 
To help keep those premiums down it is very important to be able to exhibit a good driver history and to be able to prove that those working for you are well trained and hold all of the necessary qualifications and have enough experience to satisfy the cover requirements. Any good HGV Insurance broker will ask you about these things – so beware!
HGVs are also targets for gangs of organised criminals and on average 10 trucks are stolen every day in the UK, making a good HGV insurance policy an imperative.

To get more advice on this topic talk to one of Isis’ HGV Insurance experts now on 01625 539 656 or click here to request a quote online.

This entry was posted on Wednesday, April 22nd, 2009 at 2:59 pm and is filed under Goods in Transit, HGV (Haulage/Truck). You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.