Truck Insurance by Prosura
No matter whether you are a driver-owner or run a fleet of trucks or HGV’s, Prosura can find the appropriate cover you need. We recognise that you’ve got better things to do that research your own HGV insurance needs. That’s where we come in – with friction free service and access to leading UK Truck Insurers.
What’s included on a Truck Insurance policy?
Truck insurance is a specialist policy that provides protection for HGV vehicles over 3.5 tons and upto 44 tons. As with insurance for most other vehicles, there are three levels of cover available:
Third Party Only Truck Insurance
The minimum cover level you need to legally drive on public roads in the UK. It only covers you for damage done to other vehicles, people and their property in the event of an accident. It will not pay to fix your truck or property – something you should consider where your truck is not only valuable, but needed for you to be able to work.
Third Party Fire and Theft (TPFT)
This provides the cover available under TPO, but also covers costs in the event that your HGV is damaged in a fire or is stolen.
Fully Comprehensive Truck Insurance
Typically the most expensive option, but comprehensive insurance provides you with peace of mind that comes from knowing that the cost of damage repair or replacement where your truck is in an accident is also covered. Some policies may also offer cover for personal possessions in your truck.
Other things to consider when buying truck insurance
There are a number of directly relevant insurance add-ons that you may wish to take out when buying your HGV insurance policy. In some cases, it will depend on the type of work that you’re doing, so it worth speaking with one of our advisors to confirm whether any given cover would be worth thinking about.
Breakdown Cover – Can prove invaluable if you or one of your drivers requires roadside assistance.
Goods In Transit cover – Sometimes abbreviated to GIT, this provides protection for damage to the goods you are carrying in a range of circumstances.
Why choose Prosura to buy your Truck Insurance policy?
We’re here to let you get on with running your business by providing friction free access to expert advice and high quality insurers.
We also give all our Truck Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.
For your Truck Insurance cover requirements, contact the specialist brokers at Prosura today.
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