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Forklift Insurance

Forklift Insurance can cover many risks that businesses may face. Jensten Insurance Brokers can advise on and arrange cover to help mitigate those risks.

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What is Forklift Insurance?

Forklift Insurance is a dedicated form of cover that’s designed to meet the needs of businesses that hire, lease, or own forklift trucks. You can take out third-party or comprehensive cover, which, depending on the options you go for, can protect you against theft, loss, and liability issues.

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What does Forklift Insurance cover?

Forklift Truck Insurance can offer a range of protections. The exact makeup will depend on the policy you take out, but generally speaking, the options are:

 

All-Risks

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

Comprehensive forklift insurance

Which covers damage to your forklift or someone else’s forklift, regardless of who is at fault.

Hired-in plant

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

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.

Road Risks Insurance

So you can 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

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

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FAQs

Find answers to common insurance questions

Does a forklift need insurance?

Some businesses that use a forklift assume that their business insurance covers it, but this isn’t the case, and specialist protection is required. Construction firms and other companies that have a range of plant equipment will often take out Plant Insurance, but if you only have a forklift truck, then Forklift Insurance might be a better option for you as it can protect you from:

  • Damage to property caused by a forklift.
  • Theft while it’s out in the open.
  • Theft during the night.
  • Ongoing hire charges.
  • Accidental damage.
  • Malicious damage.
  • Road risks.

How much does Forklift Insurance cost?

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

  • The number of forklifts you have – if you have two or more, you may want to consider a Special Types Fleet Insurance policy.
  • The value of your trucks – with forklifts costing up to £30,000 each, they need proper protection.
  • The nature of your business and the work you do – whether you’re operating in confined spaces such as a factory or outside in a logistics hub, for example, may alter the level of risk.
  • Where are your trucks 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 Forklift Insurance?

For comprehensive Forklift Insurance

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Forklift Insurance

This is one of the more complex areas of cover, so to help you get the protection you need, here are our Forklift Insurance frequently asked questions. We hope they will be of help, but if you’d like some independent advice, then please call us on 0115 672 5661, and we’ll be only too happy to help.

Forklift Insurance provides a wide range of covers designed to protect businesses using this specialist equipment. Given the cost of forklifts, hi-loaders, and high lifters, many are hired in rather than owned, they often need to have road risk cover, and the public liability and employers’ liability risks associated with this sort of work, having a Forklift Insurance policy makes sense.

No, but if you have employees driving them, then you will need Employers’ Liability Insurance.

Hired-in plant is equipment that you hire for a specific job as opposed to equipment that your business owns.

Yes, an auto liability or road risks element to your policy will cover them while driving on public roads.

If a hired-in forklift is damaged or stolen, you’ll usually be liable to continue paying the hire charges, even if it is no longer used by you. In most instances, charges are covered for 90 days, but it’s always worth checking the policy.

Yes. When you hire machinery, it means that you are responsible for that item, and you need to make sure you send it back in the condition you hired it. If a forklift you have hired was to break or be damaged and you didn’t have hired-in plant insurance, you would have to pay for any repairs.

 

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