Dumper Truck Insurance | Jensten Insurance Brokers
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Dumper Truck Insurance

Protect your dumper truck and machinery through our specialist Plant Insurance team.

What is Dumper Truck Insurance?

When your business relies on dumper trucks and machinery, having insurance in place is crucial in case the worst-case scenario happens during your working day. A standard business insurance policy won’t provide sufficient coverage for your dumper truck.

That’s where our specialist plant team come in, to ensure you have a policy tailored to protect your work and machinery.

 

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What does Dumper Truck Insurance cover?

There are different levels of dumper truck Insurance available, much like how Car Insurance works, these are:

  • Third-Party Only: This coverage protects the other person involved if there’s an accident.
  • Third-Party, Fire and Theft: It covers the third party in an accident and also provides coverage for yourself in case of fire or theft.
  • Comprehensive: This option includes all of the above and more. The extent of cover will depend on your insurer and policy wording. Your Advisor to explain this in more detail.

It can also include:

All-Risks

This covers equipment against fire, theft, malicious damage, and while being transported between jobs and includes theft.

Equipment floater

This covers it while it’s being transported between jobs and includes theft.

Hired-in plant

Should yours break down and you need to rent one, this will cover the rental costs.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Road Risk Insurance

Allows you to drive customers’ vehicles and any you own in connection with your business on public roads. As with car insurance, you can choose from third-party, third-party fire and theft, or comprehensive cover.

Why use Jensten

Dedicated

A dedicated team to Plant Hire Insurance

Trusted

We are the trusted broker to Plant Hire 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.

Professional woman with curly hair wearing glasses, representing trusted Jensten Insurance Brokers services.

Contact us with any questions you may have

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

Find answers to common insurance questions

What our clients say...

Does a Dumper Truck need Insuring?

Some business that use a dumper truck think their business insurance also cover it, but this isn’t the case and dumper truck insurance is required.

Construction businesses and others that have a range of plant can also take out a plant insurance package, but if you only have a dumper truck, then this might be the better option for you.

This can protect you from:

  • Damage to property caused by a dumper truck.
  • Theft while out in the open or during the night.
  • Ongoing hire charges
  • Accidental damage
  • Malicious damage.
  • Road risks.

How much does Dumper Truck Insurance cost?

The cost of your dumper truck Insurance will depend on factors such as:

  • The number of dumper trucks you have – if you have two or more, you may want to consider a Plant Insurance policy.
  • The value of your dumper trucks.
  • The nature of your business and the work you do – whether you’re operating in confined spaces such as a factory or outside, for example, may alter the level of risk.
  • Where are your dumper trucks are stored at night.
  • The size of your business.
  • Your claims history.

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

Need Dumper Truck Insurance?

For comprehensive Dumper Truck Insurance

Dumper Truck Insurance

This can be a complex area of cover, so to help you get the protection you need, here are our frequently asked questions about dumper truck Insurance. We hope they will help, but if you’d like some independent advice, please call us on 0115 672 5661, and we’ll be on hand to help.

The cost of dumper truck insurance depends on several factors including how many trucks you have, their value, where they are stored overnight, your claims history, and the specific truck insurance cover you choose. Using fleet insurance for multiple vehicles can reduce your overall truck insurance cost.

If you would like a quick truck insurance quote, please call our dedicated team on 0115 672 5661 and they will be on hand to help.

Hired-in plant refers to equipment or machinery that you hire for a specific job, rather than equipment your business owns outright. It’s important to have hired-in plant insurance to cover rental costs if the equipment is damaged or breaks down during use.

Yes. When you hire machinery, you are responsible for it and must return it in the condition you received it. Without hired-in plant insurance, you would be liable for any repairs or replacement costs if a hired dumper truck is damaged.

You will most likely need a Construction Plant Competence Scheme (CPCS) card to drive a dumper truck, which is widely recognised throughout the construction industry. Additionally, if you operate the vehicle on public roads, you may need an operator’s licence and appropriate truck insurance cover.

You will most likely need a Construction Plant Competence Scheme (CPCS) card to drive a dumper truck, which is widely recognised throughout the construction industry. Additionally, if you operate the vehicle on public roads, you may need an operator’s licence and appropriate truck insurance cover.

Tipper insurance is a specialised form of commercial vehicle insurance designed to cover tipper trucks against risks such as accidents, theft, fire, and damage. It typically includes haulage insurance and goods in transit cover, protecting both the vehicle and any materials carried. If you operate a tipper truck, having the right tipper insurance is essential to comply with legal requirements and protect your business assets.

Dump truck and tipper truck insurance rates vary depending on factors such as the vehicle’s value, how many trucks you insure, driver experience, the type of goods carried (including whether you carry hazardous goods), and the level of cover chosen. For an accurate insurance truck quote or dump truck insurance rates, consult with truck insurance specialists who understand commercial vehicle insurance.

Tipper lorry insurance coverage often includes protection for your own vehicle, third party liability (including third party property), haulage insurance, transit cover, and optional extras like roadside assistance, windscreen cover, uninsured loss recovery, and medical expenses cover. Comprehensive truck insurance policies ensure your truck company insurance needs are fully met.

Yes, many insurers offer fleet insurance options that allow you to cover multiple trucks under one truck policy. This simplifies administration and often provides cost savings compared to insuring each vehicle separately.

Trucking liability insurance covers damages or injuries caused to third parties during truck operations. It is a legal requirement and a crucial part of truck insurance cover, protecting your business from costly liability claims related to third party injury or property damage.

Yes, most insurance providers have age restrictions and may charge higher premiums for younger drivers, especially those under 25 years old. It’s important to disclose driver ages accurately when seeking truck insurance to ensure you get the right cover.

You can save money on truck insurance by maintaining a clean claims history, employing experienced drivers, investing in security devices to reduce theft risk, opting for breakdown cover, and comparing quotes from different insurance providers or truck insurance brokers.

Truck insurance brokers are truck insurance specialists who help you find the right truck insurance policy tailored to your business needs. They navigate complex insurance options, secure competitive rates, and ensure you have the appropriate insurance for tipper trucks, dump trucks, or other commercial vehicles.

Yes, many tipper insurance policies include goods in transit insurance, which covers the materials or equipment you carry. This is important for businesses transporting goods, protecting both the vehicle and cargo from loss, theft, or damage.

Consider factors such as the level of cover (third party, fire and theft, comprehensive), whether you carry own goods or hazardous goods, driver experience, the need for employers liability insurance, personal accident cover, and whether you require European cover for cross-border operations.

You can get a tipper lorry insurance quote by contacting specialised tipper insurance brokers or insurance providers who understand the nuances of commercial trucking insurance and can offer tailored business vehicle insurance policies for your needs.