What is haulage fleet insurance?
Haulage fleet insurance covers two or more trucks and trailers operated for hire and reward, carrying other people's goods for payment. It is written for O-licence holders, with the fleet rated as one risk and one renewal date for the whole schedule.
- Artics, rigids and trailers on one policy
- O-licence details needed at quote stage
- Goods in transit and foreign use extensions available
- Rated on claims experience and compliance record
What a haulage fleet policy covers
A haulage fleet policy insures the tractive units, rigids and trailers on one schedule, with the use declared as haulage or hire and reward. Cover levels, driver arrangements and extensions are set fleet-wide.
- Articulated tractive units, rigid lorries and drawbar combinations
- Trailers: often covered under the same policy or an annex
- Hire and reward use for carriage of goods for payment
- Comprehensive, third party fire and theft or third party only
- Any-driver, named-driver or age-and-experience-restricted terms
Cover hauliers usually add
The load, the liability and the downtime matter as much as the truck. These are the extensions haulage operators most commonly arrange alongside the fleet policy.
- Goods in transit cover for the loads carried
- Haulage and carriers' liability where you carry for others
- European use extension for continental work
- Breakdown and recovery suited to laden HGVs
- Replacement vehicle or hire cover to keep contracts running after a claim
What haulage underwriters ask for
Haulage quotes are prepared manually and the quality of the information you supply directly affects the terms returned. Brokers typically ask for:
- O-licence details, including the number of vehicles authorised
- Confirmed claims experience over three to five years
- Driver details: ages, licence categories, CPC status and endorsements
- The goods carried, operating radius and any foreign use
- Annual mileage and where vehicles are kept overnight
- Maintenance arrangements, tachograph and drivers' hours compliance
Why choose Fleet Cover UK?
One policy, one renewal and a specialist who takes time to understand your business. The team at Broker Zone can discuss your vehicles, drivers and requirements, explain suitable options and help you decide on the next step.
Insurance services are provided by Broker Zone Ltd, an appointed representative of Gauntlet Risk Management Ltd. Cover is subject to insurer acceptance, terms, conditions and exclusions.