FAQs
What are the advantages of dealing with a transport insurance specialist for my fleet insurance?
We understand the transport industry so we understand the business of our customers having grown up with and worked with some of the countries leading haulage and own goods carriers over the past 30 years.
I am just starting my own transport business with one vehicle, what insurances would you recommend?
We do not take the 'one box fits all' approach, after all, everyone’s needs are different. Before making our recommendations we need to understand your business in order to ascertain your needs. The cover you require depends on many different factors including your own circumstances, the type of work you do, type of vehicle you operate, nature of goods you carry, if you employ other drivers, etc.
How long does it take to get a quotation and arrange cover?
This depends on what you need to insure and at what time during the day we receive your enquiry. Quotations for Operators of up to 4 vehicles are often immediate(where possible). Most quotations including Fleets of 4+ vehicles can be given the same day.
Why are your premiums substantially lower than those offered by my existing insurance agent?
Our specialist nature and size has allowed us to negotiate exclusive rates and covers with insurers allowing us to pass these benefits onto our clients. We only deal with major UK insurers, offering wide levels of cover. Cover is NEVER compromised when it comes to finding you the best deal.
What happens if I have an accident out of office hours?
Your policy will contain all the relevant contact numbers. They are also listed on this site - see 'Make a Claim'.
Does my policy cover me for a hire vehicle following an accident?
Unlike many private car insurance policies, Commercial Vehicle policies do not provide cover for a hire vehicle in the event of you losing the use of your vehicle following an insured loss. In the event of a non-fault accident it is possible to recover the outlay for vehicle hire from the third party- However this is by no way guaranteed therefore we recommend arranging Loss of Use cover.
Do I need a Green card when going abroad?
Strictly speaking No. The UK is part of the European Union and Motor Insurers automatically provide cover when traveling to EU member countries. However cover only meets the minimum requirements of the country you are in therefore any damage to your vehicle following an Accident Fire or Theft, even a windscreen breakage will NOT be covered.
How do I decide what level of goods in transit insurance I need?
You need to arrange cover which meets the extent of your financial liability to your customer. In other words the amount you would become financial responsible to your customer for in the event of a loss.
What is Public Liability insurance?
This insurance covers legal liability for injury to or damage to the property of the public arising from an accident in the course of your business activities, but not arising from circumstances that are covered by your motor policy.
Do I also need Employers Liability insurance?
This insurance covers your legal liability as an employer for injury to employees arising out of and in the course of their employment. The basic cover applies to casual employees only. If you have part or full time employees there is a need to extend the basic cover to apply to these employees also.
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