Is it really worth your while to be transporting hazardous materials and will insurance for trucks cover you?

This is one of the most complicated and frequently misunderstood areas of insurance for trucks. The nature of your policy for transporting hazardous materials will largely depend on the nature of the goods and how much damage would potentially be caused in the event of a spill.

One important point to bear in mind is that it may well prove more cost effective not to transport hazardous materials in your vehicles, as the savings on your insurance would prove to be greater than the payment you’d receive for undertaking the job. Companies who specialise in transporting hazardous goods tend to do so in bulk, so the extra cost is justified, but if it’s something you’re only planning on doing occasionally, I’d strongly advise you to compare the potential profits to the increased insurance premium and ask yourself honestly whether it would be justified.

At Isis, we regularly advise clients on issues like this as many business owners don’t realise that cutting back on certain less important areas of their business could actually save them a lot of money by lowering the cost of their insurance for trucks.

This is why it’s so important that you’re able to provide us with as much information as possible during our initial fact-finding stage, as it often allows us to suggest cost-saving measures like this while we sort out your insurance for trucks. It’s true that most businesses that operate heavy goods vehicles are often time-poor (after all, you’re only making money if your vehicles are on the road!), but being willing to invest a little time early on can result in serious long-term savings and also ensure that you don’t get any nasty surprises when it’s time to make a claim.

To find out more about insurance for trucks and how to get it right the first time, just visit, where you’ll be able to obtain a free copy of my new guide, “An introduction to HGV insurance for business owners”, packed with the kind of advice I usually reserve for paying clients.