Truck Insurance

Name: Jensten Insurance Brokers
Brand: Jensten Insurance Brokers
Rating: 4.7 (781 reviews)

Transportation plays a big part in the UK Economy with a high proportion of goods being delivered by road. At Jensten Insurance Brokers we are aware of the need to get the cover right at the best possible price.

What is Truck Insurance?

Truck Insurance, also known as HGV Insurance, a specialised form of insurance designed to protect businesses and individuals that operate trucks, lorries, and other commercial vehicles.

It allows you to cover your vehicle against accidental damage, fire, theft, and malicious damage, as well as covering third party liability to property or individuals in the event of a claim.

We understand the need for a detailed review to make sure the cover is tailor made to each client’s business needs, along with the additional policies required by various businesses to support their trade.

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What does Truck Insurance cover?

Accidental Damage

This covers any accidental damage made to your customers’ vehicles.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Goods in Transit Insurance

Goods in transit (GIT) insurance offers protection if you or your customer’s property or goods are lost, damaged or stolen while they’re being moved from one place to another. For example, when they’re being transported from a factory or workshop to a retail outlet, business premises or private property.

Malicious Damage

This can cover intentional damage caused by tenants or third parties, including arson or vandalism.

Public liability insurance

If a member of the public is injured or their property damaged while on your premises, you can be held liable. Public liability insurance will protect you financially should you be sued for damages.

Third-Party Liability

Cover any legal fees or compensations required if your equipment causes damage to property or injuries.

Truck Breakdown and Recovery Insurance

This important policy element will cover the cost of getting specialist help to you should one of your HGVs break down while on a job.

Why use Jensten

Dedicated

A team that understands business vehicle insurance

Trusted

We are the trusted broker to businesses

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.

Online

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

What our clients say...

How to save on Truck Insurance

At Jensten Insurance Brokers, we’re committed to finding our clients a great deal on quality cover. 

When we say its all in the detail, it really is, a few additional questions and an expert ear can save you and your business from wasting hard earned cash. 

Follow some of our tips below: –

Get some independent advice – some policies will include add-ons you don’t need and removing them can help you save money.  It’s important to make sure you aren’t over or underinsured, though.  If you are underinsured, you may face a significant shortfall in the event of a claim, and if you’re overinsured, you may be paying more than you need to.  Either way, it pays to get some independent insurance advice.  
Consider your drivers – avoid insuring younger drivers and those with poor claims histories. Also, while any driver option is convenient, it could prove more expensive than a named driver policy. Or if you really need any driver, consider the savings on restricting the age, you will be surprised on the saving. Any driver aged 30 plus can be from Any driver 25 plus.
Installing cameras and telematics in your vehicles – these tools help with driver management and can provide evidence in case of an accident, even if you are at fault, there is still a benefit to assist in quick claim management and mitigation of costs. (Call one of our team to cover in detail)
Raise your excess – raising your excess – the amount you pay in the event of a claim can reduce your premiums.  If you have a good (low) claims history, this can be a great way of cutting the cost of your premiums.
Search and compare – or better still, get an independent broker such as Jensten Insurance Brokers to do the comparison for you.  With our specialist knowledge and insurer contacts, we can help you get the right cover at the right price.

How much does Truck Insurance cost?

As we create your cover around you and your business, and given the different types of policies on offer, there’s no simple answer to that question.  What we can say is that your insurance quotation will be based on factors such as: 

Make/Model of your Truck

The nature of your business, eg Haulage or Carriage of Own Goods

Your claims history.

The age of your drivers.

Whether you choose a named driver or any-driver policy.

If you carry Hazardous Goods or visit Hazardous locations

If you require European use.

The type of trailer you use can also impact on your premium.

For some personalised Truck Insurance help, please get in touch.  Our friendly team will be able to give you all the advice you need and provide you with a Truck Insurance quotation that meets your requirements.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Truck Insurance?

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Truck Insurance

HGV Insurance can be complex, so to help you get the cover you need, here are the answers to some frequently asked questions. We hope they prove helpful, but if you’d like some advice that’s tailored to your needs, please call us on  0800 308 1234.

Thanks to our flexible approach to our clients, we can offer a Truck Insurance quote to a range of businesses.

Haulage contractors

Construction firms

Logistics businesses

Removals firms

Manufacturers

Distribution companies

Plus, many more

At Jensten Insurance Brokers we’ve helped plenty of truck owners get the specialist cover they need. In doing so, we’ve developed a deep understanding of your industry, and working with us offers you the following advantages:  

       Specialist advice from experienced Truck Insurance professionals

       Truck Insurance that’s tailored to your business’s needs

       Help should you need to make a claim

       Independent service from a 4.8/5 feefo-rated broker

Some Insurers place age restrictions, however with the wide market available to Jensten Insurance brokers, we can present your requirements to give you the best opportunity of obtaining cover for that more difficult to place risk.

Yes, if the no-claims bonus was earned on trucks in the UK, transferring it should be no issue if it has been in use in the last two years.   

Have more than one truck? The consider HGV Fleet Insurance. Fleet Insurance offers flexibility, including any driver, cars, vans, or trucks on one policy!

Call us to discuss in more detail if you feel a Truck Fleet or mixed Fleet would be more suitable for your business.

We offer a variety of Truck Insurance options including:

HIAB Truck Insurance

Tipping Trailer Cover

Refrigerated Unit Truck Insurance

Moffatts

Curtain Side Truck Insurance

Tankers

Low Loaders

Skip Carrier Insurance

Rigid Trucks or Artic Trucks

Comprehensive

Third Party, Fire, and Theft

Laid Up, Fire, and Theft (for vehicles that have been SORN)

Yes, we have various Insurers who can support cover for Special Type vehicles, and with our Specialist Engineering team we can certainly make sure we have you covered.

Yes, we can cover vehicles that are owned, hired, or leased.

Yes, we can offer EU cover as an extension to your policy.

A Digital Tachograph is a device that records the driving hours of truck drivers. It ensures that drivers take regular breaks and adhere to the legal limits on driving hours. Any vehicle registered from 2006 onwards must have one.

CPC (Certificate of Professional Competence) hours are required for truck drivers to maintain their licence. Drivers must complete a certain amount of CPC training hours to ensure they are qualified to drive professionally.

A class 2 licence is for any Rigid vehicle from 7.5tonne and up to 32 tonne
A Class 1 licence covers Articulated vehicles

‘Grandfather Rights’ allow drivers who obtained their licence before certain changes in the law to drive a 7.5 tonne vehicle without needing to obtain a specific licence.

An O Licence (Operator’s Licence) is required for businesses that operate goods vehicles over a certain weight. It ensures that the business meets safety and environmental standards.

For full details please refer to https://www.gov.uk/manage-vehicle-operator-licence

Industries

Expertise And Insurance

Truck Insurance

Transportation plays a big part in the UK Economy with a high proportion of goods being delivered by road. At Jensten Insurance Brokers we are aware of the need to get the cover right at the best possible price.

What is Truck Insurance?

Need Truck Insurance?

For comprehensive Truck Insurance

What does Truck Insurance cover?

Why use Jensten

Dedicated

A team that understands business vehicle insurance

Trusted

We are the trusted broker to businesses

Flexibility

Tailored insurance to the needs of your business

Talk to the experts

Online

What our clients say...

How to save on Truck Insurance

How much does Truck Insurance cost?

Need Truck Insurance?

For comprehensive Truck Insurance

Truck Insurance

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Our team are here to help you Monday to Friday, 9am - 5pm