Just a few of the more common questions we are regularly asked are listed below:
What exactly is a truck insurance policy?
A truck insurance policy can sometimes be called a HGV or haulage insurance policy and it is has been specifically designed for the needs of any business that uses trucks and other HGVs. It is often made up of various sections of cover and is usually categorised depending on the number of trucks or HGVs that need to be included. For example a truck policy can operate for companies or individuals running between one in five trucks of 7.5 tons gross vehicle weight or over.
I am a new Haulier what other types of insurance could I need?
We can only really answer this once we have completed our fact finding process with you to establish just what insurance cover you will need, but in generic terms you would normally be looking at a range of covers including vehicle insurance, goods in transit insurance, employers and public liability insurance, and possibly legal expenses insurance.
What you purchase is up to you, but some classes of insurance are compulsory by law such as vehicle and employers liability insurance. We have a number of videos giving more details of these products, which you can access by visiting our YouTube Channel
Do I need to purchase employers liability insurance ?
Yes, you do. Employers liability cover was made mandatory in the UK by the Employer’s compulsory Insurance Act 1969 and this legislation requires all employers to purchase employers liability insurance – even if you only use an employee occasionally on a temporary basis. This is often an area of real confusion for customers who may only employ an occasional driver or they may believe that the driver is working for them on a self employed basis. No two cases are ever the same so it is vital that you speak to one of our specialists who can give you advice on an individual basis.
I’m starting a new haulage company – but I have experience in the industry is it possible to get my truck insurance to reflect this?
Yes, it is. At Isis, we understand that starting up any new business can be expensive and that insurance cover can be a big part of the set up costs, particularly for a new haulage company. That’s why we provide a number of discounts for new venture companies, including a discount available for companies using drivers with a history of claim-free driving. Even if this isn’t the case we can still sometimes offer up to two years’ introductory discount.
As you will probably gather these are just some of the questions we are frequently asked but hopefully it gives you some answers to the questions you may be thinking of asking yourself.
The good news is help is only a phone call away…
Please explore the site to find out more about how we can take all the stress out of your insurance needs. In fact, if you’re keen to find out more about getting the right HGV insurance in place, we would be delighted to send you a free copy of our new guide, “An introduction to HGV insurance for business owners”, packed with expert advice on everything from selecting the right broker to training and checking your drivers.
All you need to do is spend a few seconds filling in your details in the form on the right, after which we will put your copy straight in the post. It’s as easy as that!