Great deals on your truck Insurance

The complete Truck insurance solution

All of our truck insurance policies come with the option of breakdown cover in both the UK and in the EU.

For a cheap truck insurance quote, submit your details by completing our online truck quote form.

All you need to know about Truck insurance

Why do I need a Truck Insurance Policy?

It is an offence to use, drive or leave a motor vehicle in a public highway without the correct motor insurance in place. Truck insurance is defined as vehicles over 7.5 tonnes in gross vehicle weight and typically up to 44 tonnes, although occasionally larger vehicles are seen on UK highways. If your vehicle is less than 7.5 tonnes Gross Vehicle Weight we can still provide you with competitive van insurance at www.staveleyhead.co.uk/van/

Why Staveley Head Ltd?

With over 10 years experience providing low cost truck insurance policies to the whole of the United Kingdom we are best placed to have negotiated exclusive rates with many high street named insurers such as Aviva, Zurich and Liverpool Victoria.

We have market leading innovation within the market and are able to offer competitive online truck insurance. These truck insurance quotes are fully guaranteed rates so you can be assured that the premium quoted is correct. You can compare truck insurance from a number of insurance companies.

We have highly trained staff all based in our UK offices who are able to individually tailor your truck insurance for your required needs. We prefer to receive phone calls as we can discuss your individual requirements and build a policy to your exact requirements and go the extra mile to endeavour to provide a cheap truck insurance policy.

The whole truck insurance package is available at Staveley Head. We can provide other types of polices which truck drivers often require. For example Goods in Transit insurance, haulier public liability insurance and truck breakdown cover to name just a few.

My Truck Insurance Cover

How you are carrying your goods determine what truck insurance cover you will require:

• Personal or Private use is also known as Social Domestic and Pleasure Insurance. A typical example would be the need to get tipper truck insurance for your vehicle during a self build project or a Horsebox Truck Insurance
• Carriage of Own Goods Truck Insurance – used in conjunctions with your business to carry your business goods. For example a scaffolder, quarry etc.
• Carriage of Goods for Hire and Reward often known as haulage insurance – if you are being paid to deliver goods on someone’s behalf

Motor insurance cover is typical throughout the UK insurance market. Cover can be provided for Comprehensive, Third Party Fire and Theft or just Third Party Only. The majority of truck insurance policies have an excess of £500 however these can fluctuate depending on the truck insurance company quoting. The excess will be shown on the quote delivery page of the online truck insurance quote engine or if you contact our offices our representative will tell you the excess at the time of providing a truck insurance quote.

What is a typical truck?

It can range from 7.5 tonnes gross vehicle weight to 44 tonnes gross vehicle weight. There are several types and to name a few we can provide tipper truck insurance, cement truck insurance, furniture truck insurance, care transporter truck insurance, car delivery truck insurance, flat bed truck insurance, hi-ab truck insurance, articulated truck insurance.

I need breakdown truck insurance.

We can happily provide a breakdown truck insurance quote. However if you also deal within the motor trade and will regularly drive other vehicles to include customers then it may be more prudent to get a motor trade insurance policy and specify your vehicle delivery truck and breakdown truck on that policy. We can provide competitive traders insurance quotes at www.staveleyhead.co.uk/motortrade

Can I have more than one driver on my Truck Insurance Policy?

Commercial Truck insurance follows suit with all UK motor insurance products in that many driving requirements can be provided. Typically the levels of driving cover are Insured Only, Insured and named/specified and Any Driver over a specific age – usually 25 or 30.

The majority of insurers require truck driver to have held the relevant class of EU or UK licence for a minimum of 2 years however competitive truck insurance can be provided for drivers with only 1 years driving or even newly qualified truck drivers.

My truck insurance policy only had a small No Claims Discount. As I’ve had wagon insurance for over 10 years can I get an increased discount?

Over the last 10 years we have developed a vast knowledge of truck insurance policies from a large range of companies. Traditional Haulage insurance policies often gave a maximum discount of 40%. However we have developed many policies that take into account a good number of claim free years and discounts can range up to 65%. By constantly performing market exercises we are aware of new UK truck insurance schemes in the industry and can adapt and develop to always ensure that we remain competitive.

I want to start a Haulage business – how do I get Cheap Haulage Insurance for my Truck?

Start up costs for any new company can escalate. We recognise that new venture haulage insurance is not necessarily a bad risk for the insurance company provided good claim free driving has been gained.

For example:

• 65% Introductory No Claims Discount is available if you are an experienced truck driver
• 65% Introductory No Claims Discount is available if you require insurance on your second truck where the first has earned No Claims Discount in its own right. In essence this is a mirrored truck insurance No Claims Discount
• 65% Introductory Discount is available if you have been a named driver on a truck insurance policy not necessarily insured in your name.

Can I deliver customers goods abroad?

All UK truck insurance policies come with basic cover in the EU. Your policy document will confirm the cover. For an additional premium the same level of cover being enjoyed in the UK can be provided on a temporary basis for foreign use insurance whilst travelling in the European Union. If regular trips are made then an annual green card can be added to your insurance policy for an additional cost.

I’m buying more trucks. When is it best to change to a haulage fleet insurance policy?

Owner driver truck insurance policies can typically increase up to a maximum of 6 vehicles. After that it is best to consider a fleet insurance policy. Staveley Head have a fleet insurance department and will be happy to discuss your requirements and provide a competitive fleet insurance quote. The website address for further information is www.staveleyhead.co.uk/fleet/

Can I get skip truck insurance?

This is a specialist area. As a leading provider of truck insurance quotes the answer is yes. We can arrange competitive skip insurance cover for your truck and also skip hire insurance in general to include public liability.

I want to combine my furniture truck insurance and furniture remover liability insurance.

The majority of insurers provide cover for your furniture truck and a separate policy for removals insurance. We can place you with the same insurers however often two separate policies will be issued for the truck insurance, removers public liability insurance and household removers goods in transit insurance.

Do I need anything else?

The truck is you livelihood. If it is off the road for any length of time this could have an adverse affect on your income. A truck breakdown cover can be provided with several levels of cover from low to the nearest garage to homestart and UK and EU recovery.

Public Liability and Employers liability may be required. These can range from £500,000 cover to £10,000,000. Haulage liability insurance schemes have been negotiated with leading insurers o ensure that we remain competitive.

As you may be carrying large numbers of goods then adequate Goods in Transit cover could be advisable. We can provide cover for a specified amount per load or even on specified conditions, for example RHA conditions of carriage. Furniture removers insurance can also be arranged.