What to expect when you need to make a claim on your haulage insurance

Although you’ll hopefully only have to make the occasional claim on your haulage insurance, it’s important that you know what to expect.

Having to make a claim can be an incredibly stressful process, something that isn’t helped if you’re in any doubt as to whether your insurer will provide the cover expected. At Isis, we only work with insurers who we know can a) provide the cover promised and b) offer exemplary backup services along with that. Furthermore, we monitor claims closely to ensure they run smoothly. Claims themselves are very diverse and have to be handled in a variety of different ways. Some, like road accidents, need to be dealt with straight away, while others may take several months to resolve, so it’s important that you are properly supported and understand what to expect from your haulage insurance.

In order to make the process of making a claim more straightforward, many providers of haulage insurance are now providing their clients with ‘accident packs’, which set out everything you need to do should you need to make a claim. These might include cards that can be kept in your vehicles which have a phone number for the insurer printed on them, so they can be contacted straight away in the event of an emergency. This way, the claim can be processed straight away, with minimal fuss, although not all insurers have yet obtained this level of efficiency, especially those that rely on call centres to process claims. A personal service is therefore a key part of effective haulage insurance, so bear this in mind when selecting a broker.

To make sure your haulage insurance will always cover you in the event of a claim, just visit www.isisinsurance.co.uk, 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.