Owner Driver Tipper Truck Insurance
Owner driver tipper truck insurance quotes are no longer the one vehicle policy that they used to be. An online provider may advise you to find a way to reduce your premium but with so few lorries or tipper trucks under your wing, it may simply be worthwhile extending a policy for one to four vehicles instead.
The cover is pretty much the same. Except you will find you can add more drivers and vehicles to a policy and should you be the driver which switches between more than one tipper, such information could see a discount provided. Especially if no claims bonuses have been totted up and you have a relatively clean driving license when it comes to endorsements and penalty points. Having drivers over the age of 25 who have held a previous policy with no gaps or claims can also lower owner driver premiums.
Owner driver quotes for 1 to 4 vehicles can cover most commercial vehicles between 3.5 and 60 tonnes. It will also insure any goods in transit, should the load be lost or become spoiled in the event of a crash. Sand, gravel and other building materials may not survive such an encounter and without adequate cover across all your tipper trucks, the costs could affect income when paying out to replace a missed delivery for a client.
This payment on top of any criminal lawsuit should a driver be found guilty. In such circumstances, business legal expenses cover should be included and when considering your drivers and delivering on third party property, imperative to have the correctly valued public and employee’s liability insurance in place. When discussing a new policy or renewal with a broker for owner driver tipper truck insurance for one to four vehicles, ask if there is the possibility of using telematics to lower your payments.
Telematics has enabled the industry and fleet managers, as well as owner drivers to be more accountable for their actions. They provide for a more safe environment knowing the driver’s every move is being recorded. Coupled with a camera for presentation of evidence, even more so. A specialist owner driver policy broker will be able to find an underwriter to match your business needs and will definitely offer a lower quote and annual discount if you are willing to embed telematics on all of your vehicles.