Published: 16/03/10
If you are a truck driver in the UK, you are already aware that you need truck insurance to drive your truck or lorry on the roads and add legitimacy to your owner operator business. While you have probably heard of HGV or lorry insurance, there are several kinds of truck insurance you need to investigate. Goods in transit, public liability, continental lorry insurance are insurance covers you need to consider in addition to the vehicle insurance on the truck or lorry.
The vehicle insurance and public liability insurance is compulsory if you are dealing with the general public and hauling goods. The goods in transit policy covers damages to the goods you are transporting and this can be a substantial financial setback, if an accident of some kind were to occur. As a truck driver, there are many traffic situations, mechanical breakdowns and overnight break-ins and thefts that can occur. Being protected as a truck driver is important, especially to the owner-operator that is just getting started.
Without the proper insurance covers, you could find yourself in financial ruin and you could have a lengthy legal defence in court, should serious injury or death occur to another person that is caused by your driving. As a commercial entity, a truck driver needs to have commercial cover, just like any other kind of business in the UK. There are all kinds of financial protections that the proper insurance covers can offer, especially for those that haul expensive cargo.
While those in the haulage and logistics industries have high costs involved with higher petrol and lower product demand, having the proper insurance is an expense that can’t be avoided. Driving a truck demands a great amount of business sense and having the insurance you need, cuts your exposure to legal expenses as well.
Flint Insurance are truck insurance specialists. Get an instant online truck insurance quote or call 0800 021 4503 for further details.
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