Whatever size business your run, we understand that your HGV has a significant impact on your livelihood and as such, protecting it is a primary concern for you and your business. However, for those new to this type of insurance, it can be a bit daunting trying to work out the best policy for your own specific needs, as there are lots of different legal implications, clauses and fine print that need to be considered.
Keeping all of this in mind whilst trying to find a deal that is affordable can be something of a challenge. It can also be extremely time consuming, but our aim is to make the process as swift and smooth as possible, using our wealth of specialist knowledge in the field of truck and lorry insurance to find you the right deal at the right price.
So why is HGV insurance so vital and what are its benefits? If you are carrying hazardous materials and are involved in an accident that was not your fault, having appropriate insurance could give you a stronger case if you face a legal battle over damages or injuries caused in the accident.
Similarly, if someone steals your vehicle, and you do not have the appropriate cover; it may cost a great deal of money to replace the vehicle and may even put you out of business, particularly if you run a relatively small and new company.
Though cover will vary from policy to policy, most HGV insurance will cover you for the following:
- The vehicle itself
- Vehicle theft cover
- Vehicle damages cover
- Goods in transit cover
- Employers’ liability (if you are the owner of the truck and an employee is using it)
- Public liability (if you are involved in an accident)
- Continental lorry insurance (for those delivering abroad)
Naturally your cover should depend on your individual circumstance and requirements, but this allows some idea of the nature of HGV insurance. At Livingstones we tailor your policy to your needs to help you keep costs down and ensure you only ever pay for what you need.