Truck and Lorry Insurance

Insure Your Lorry or Truck, Properly

As large and heavy vehicles, trucks and lorries are generally considered to be more of a risk on the road than smaller and more compact vehicles. Large and heavy vehicles such as trucks and lorries are also notably harder to drive than normal cars, so the risk of an incident is higher. Some insurers will charge high premiums on trucks and lorries to compensate for that risk, but with Proper Finance, you can find the best rate for you.

WHAT IS INCLUDED IN TRUCK INSURANCE?

Due to the increased risk of harm to pedestrians, other vehicles or property that comes with lorry driving, it is important to have the best insurance policy possible on your truck or lorry. You may opt for a fully comprehensive policy, a third party only policy, or a policy that covers accidental damage such as fire and flooding. Other types of truck and lorry insurance include:

  • Breakdown cover (included)
  • Legal expenses
  • Goods in transit cover
  • Europe and overseas cover
  • Contents cover 

If you opt for a more comprehensive policy, you may be able to get the contents of your lorry covered alongside the van itself. This is important if your lorry or truck contains valuable items, such as equipment that is essential for work.

HOW MUCH DOES LORRY INSURANCE COST?

The premium that you are offered on your vehicle will vary between lenders but as a general rule, the bigger and heavier your lorry, the more expensive your insurance will be. This is because larger and heavier vehicles are harder to drive, and are capable of causing the most damage to persons or property.

Trucks can be categorized into three sizes:

Light –weighing up to 6,350 kg e.g pick up trucks and minivans

Medium – weighing between 6,351kg to 11,793kg e.g platform trucks, box trucks

Heavy – weighing between 11,794kg to 14,969kg e.g mobile crane, tractor, garbage truck

‘Heavy’ trucks will always cost you the most when it comes to insurance, but with Proper Finance, you can get a great deal on your truck insurance.

OTHER TYPES OF LORRY AND TRUCK INSURANCE

Commercial Truck Insurance: Commercial truck insurance is commonly taken-out by businesses that own a number of trucks and need the right cover in place for all of them. If you have more than one truck or lorry, you may consider getting fleet insurance to put all vehicles into one single policy. Fleet insurance may allow you to save a great deal, avoiding the cost of multiple insurance policies.

Recovery Truck Insurance: Recovery truck insurance covers any damages that inflict the recovery truck itself, the vehicles on the truck and any other third parties. Vehicles or other items falling off a recovery truck is a real possibility uncommon, so having the right protection in place is vital.

Skip Lorry Insurance: Skip lorry insurance is designed for lorries which are used to move skips full of dirt, unused materials or rubbish. This level of cover should include third-party insurance, just in case any damage is caused any third parties during the transportation of a skip and its contents.

THE CRITERIA FOR APPLYING

In order to get van or lorry insurance with one of Proper Finance’s trusted insurers, you must:

  • Be the legal age for driving a HGV;
  • Hold a valid EU driving licence;
  • Be a permanent resident of the UK;
  • Have a vehicle that is owned and registered by you, your spouse, partner or civil partner at your address;
  • Have the relevant documents to prove that you, your spouse, partner or civil partner are the legal owner and primary driver of your vehicle.

HOW DOES OUR SITE WORK?

Getting great 4×4 car insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.

We cover all makes and model of trucks and lorries, whether it’s a7.5-tonne lorry, a 10-tonne lorry, a 6 wheeler or an 8 wheeler. Upon contacting us, you will be asked to provide some basic details including your driver’s license, claims history and details of your vehicle so that we can help you precisely and effectively.

If you wish to view the other services Proper Finance has to offer such as Insurance for Learner Drivers, please see Our Products. Alternatively, drop us an email at info@properfinance.co.uk and we will get back to you to help you with your request.