Finding suitable lorry insurance


Photography by Nigel Green at www.truckpictures.co.uk
Photography by Nigel Green at www.truckpictures.co.uk

Finding suitable lorry insurance

There may be many considerations to take into account when searching for insurance for your lorry. It may be helpful, however, to take a look at one crucial aspect and that is who is going to be driving your HGV:

  • it may be an important factor in determining the cost of your lorry insurance if you are able to name all the drivers;
  • if named drivers have reasonably clean driving records, you may gain a discount on your premiums by restricting driving to those named drivers;
  • of course, there are circumstances where you may want your insurance to extend to any driver – if you are uncertain who you may need to take on to meet seasonal demands, for example;
  • in order to keep this up to date, the driver needs to complete 35 hours of approved training every five years;
  • the fines for driving without the necessary Driver CPC may be up to £1,000 and – perhaps more importantly may invalidate your HGV insurance;
  • specialists in the provision of HGV insurance – such as those of us here at Isis Insurance Services – are aware of these requirements and able to accommodate them in the whatever cover you choose to arrange;
  • a further important consideration when selecting your drivers is their state of health and the possibility of their having pre-existing medical conditions;
  • as far as insurers are concerned, pre-existing medical conditions are “material facts” which must be disclosed as part of any insurance contract;
  • this is part and parcel of the long-established principle in English law that insurance contracts are subject to the “ultimate good faith” (“uberimae fideii” to give it its formal Latin term);
  • provided any conditions are properly disclosed, however, this does not mean that your driver is excluded from any cover;
  • the British Heart Foundation, for example, publishes advice that may be useful to HGV drivers and their employers alike – identifying the need to keep the Driver and Vehicle Licensing Agency (DVLA) and your insurer fully informed about one of the most common conditions – relating to heart problems – and the need to advise of any continuing symptoms, the treatment you may have received and the driver’s response to that treatment;
  • in the case of HGV drivers, the need to disclose any medical condition may be made still more relevant because of the need to renew the HGV driving licence at the age of 45 and every five years thereafter;
  • the renewal process includes the completion by the driver’s own doctor of a medical examination report, together with an optician’s examination too, if that is necessary;
  • these reports need to be sent to the DVLA, where consideration is given as to whether or not to renew the driver’s licence to drive an HGV;
  • the results are also part and parcel of the material facts that need to be disclosed to your HGV insurer about the drivers of the vehicle.

It may be seen that your choice of driver and the need to keep your insurer fully informed of his or her fitness to drive is an important part of maintaining insurance cover for your lorry or fleet.