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How to Get a Great Price for Your Haulage Insurance


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if you’re looking for haulage insurance, Sky Insurance can find you the best policy for your needs

If you’re looking for haulage insurance, Sky Insurance can find you the best policy for your needs

Haulage insurance is a necessary expense that can protect you from a range of different situations that could leave your truck damaged and your livelihood in tatters. However, it doesn’t have to be as expensive as you might think.

Do Your Research

Knowing what you need and what you don’t is essential for getting a good price on your insurance. You should get three or four quotes from different companies to make sure that you get the most competitive one.

If you use price comparison sites, you may find that playing around with your quote may lower your premiums. However, you should never lie on your insurance as it could invalidate your claim if you’re unfortunate enough to have to make one.

Being a good driver will help in the long run. The no claims discounts available from certain insurance companies can vary from 20% to 60%, so you can make significant savings if you’ve proven yourself to be a good driver.

If you’re a company owner and looking to insure a fleet of HGVs, then restricting the number of drivers per policy can make a huge difference to your premiums. This works particularly well if it’s owner-only or named drivers.

Increasing your voluntary excess can mean paying less on your premiums. However, if you’re a private driver, then you should make sure that you have this amount of money before you agree on it, as you may find yourself out of pocket otherwise.

Do Your Bit to Lower the Risk of Crime

Trucks are a popular target with thieves as it is well known that they transport valuable items- indeed it is advertised on the side what is contained within. Theft of a truck has a high cost, not only in money, but the livelihood of drivers and operators and the loss of client faith. While some of these things can be covered by insurance, the loss of faith may be difficult to recover. This is why lowering the risk of crime is very important. The security of your truck should be the upmost thing on your mind. Here are a few things to keep in mind:

  • Keeping it locked and parked in a secure parking bay will deter thieves, along with using security devices.
  • Make sure the loading of the vehicle is secure, and do not discuss the nature or value of your load with anyone.
  • Try to refuel on site as opposed to stopping in unsecure places.

So if you’re looking for haulage insurance, Sky Insurance can find you the best policy for your needs. Find them here

© 2013, Allen Smith. All rights reserved.

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By: Allen Smith

Allen Smith is a 37 year veteran who started at an early age in a household goods family moving business. He began driving straight trucks in 1977 and moved to the big rigs in 1982. His experience within the industry includes; owner operator, company driver, operations manager, and owner of a long distance HHG moving business, taking many of the long haul moves himself when needed. Allen Smith, a truck driver advocate who is driven by the desire to help others succeed within an industry where injustice, unrewarded sacrifice, and lack of respect and recognition exists. Allen and his wife Donna are hosts of Truth About Trucking ”Live” on Blog Talk Radio. Other websites include AskTheTrucker, TruckingSocialMedia, NorthAmericanTruckingALerts, TruthAboutTrucking, and many Social Media websites. In 2011 Allen and Donna hosted the first Truck Driver Social Media Convention, designed to create unity and solutions for the trucking industry. This is now being extended through the North American Trucking Alerts network as those within the industry join forces for the betterment of the industry. Allen strongly supports other industry advocates who are also stepping up to the plate to help those who share honesty, guidance and direction. He believes that all those involved in trucking need to be accountable for their part within the industry, including drivers, carriers, brokers, shippers, receivers, etc… The list of supporters and likeminded people grow daily, networking together and sharing thoughts and ideas for the betterment of trucking. He has coined the popular phrase "Raising the standards of the trucking industry"

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