Safe on the road with the right truck insurance
A58 closed after tilting truck carrying pickles." It was a striking report a few weeks ago. Fortunately, these kinds of major accidents are not daily occurrences. But truck drivers know the risks of the job all too well. It's not just on the road that constant vigilance is required, even during loading and unloading, the risk of accidents and damage is high. That's why a good truck insurance policy is a must. What should you look out for when taking out insurance?
WA, limited casco or all-risk
Like a car, a truck is required to have third-party insurance. This truck insurance covers any damage you cause to third parties. However, you cannot claim on this insurance for your own fleet. Yet damage to your own vehicle is often a major expense. Therefore, more extensive coverage is not an unnecessary luxury. Certainly not for trucks less than ten years old.
With limited hull insurance, your truck is also insured against theft, storm, hail, fire or accidents caused by crossing animals. But even this insurance would not have been sufficient for the damage to the pickle trailer. Rollover, collision or skidding is covered only with full all-risk insurance.
Loading, unloading and repatriation
However, truck drivers are even more at risk. A relatively high number of accidents occur during loading and unloading operations. Moving loading floors, elevators or cranes are often the cause of this. The result is considerable damage to the equipment, or worse, to the people on the shop floor.
If something happens to the driver himself and he is no longer able to drive he will have to be brought back home. When this also happens abroad the repatriation costs can be high.
Tailoring insurance to your business
You can get additional insurance for all of these events. To make the right choice, you need to ask yourself how much risk you run. Do you always use regular drivers on your trucks, or do you hire temporary personnel? Are the trucks mainly used on fixed, short trips or do they go abroad for longer periods of time? How large is the fleet of trucks? What goods do you transport? Always match your insurance to the type of business you run.
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