Compare 7.5 Tonne Lorry Insurance

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7.5 Tonne Lorry Insurance

Having the correct 7.5 tonne lorry insurance is required by UK law to legally be on the road, creating a revenue stream for you and your family. By operating a 7.5 tonnes commercial HGV, you will be driving the most common form of hire for reward hauler in the nation. The right cover will help keep this revenue stream flowing for years into the future, with financial protection to take care of obstacles encountered while operating a lorry on the road. 

7.5 Tonne Lorry Insurance

Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. To start comparing prices, select GET QUOTES button above and provide basic information to a panel of UK brokers. The panel will provide you with a range of truck insurance quotes based on your individual requirements.

What types of 7.5 tonne lorries are there?

The 7.5 tonne lorries come in a wide variety of configurations to meet the needs of the commodities that are being transported. For large items, a flatbed works best. Others have curtains for sides that make loading and unloading easier. Some of them are fully enclosed for hauling commodities or livestock.

Do I need an operator's licence for a 7.5 ton lorry

You will need an operator's licence to carry goods for any vehicle over 3.5 tonnes gross plated weight or an unladen weight of more than 1,525 kg 

What are the three types of operator licence?

  • Standard national licence : This licence enables you to haul your own  goods within the UK and internationally. In relation to other peoples good you are restricted to the UK only. 
  • Standard international licence : This licence will enable to haul your own and other peoples goods within the UK and internationally 
  • Restricted licence : A restricted licence restricts you to only hauling your own goods 

What is required to operate a 7.5 tonne lorry?

To operate a 7.5 tonne lorry requires a UK C1 driving licence. This classification permits the holder to operate any lorry from 3.5 to 7.5 tonnes.

What is 7.5 tonne Lorry Insurance?

The 7.5t Lorry Insurance is road risk protection when moving freight on the road and an event like an accident and or collision occurs. Just like personal vehicles, there are three distinct levels of cover an operator can obtain.

  • Third Party only is the minimum cover required by UK law to legally operate on the road.
  • Third Party Fire and Theft.
  • Comprehensive.

Are there any add-ons to the road risk cover for more protection?

The most common add-ons are goods in transit cover and breakdown recovery. 

  • Breakdown cover is recommended for any hire for reward lorry operator. The task of just changing a tire on an HGV will help convince anyone of the advantages of having this type of cover. There is the standard cover, national cover, which lets your vehicle be towed to the destination of choice (if it can not be fixed on the roadside). For those with destinations in Europe, there is an option to include European cover.
  • Goods in transit provides cover if the commodities you are transported are damaged. Without this cover, the operator could be held financially responsible for the load. For some shipments, this is a requirement, especially when the load has a high value.

What type of add-on do I need if I own 2 or more  7.5 tonne lorries?

For owners of 2 or more 7.5 tonne lorries, their business vehicles are classified as a fleet. Operators of fleets also have employees which change the legal requirements of the business from owner operator to owner, possible operator and employers.

As an employer, the business is required by law to take out an employer liability cover. This financial protection is to cover the costs if an employee is injured or becomes ill while on the job.

As a fleet owner, the business is also eligible for fleet insurance. This classification of the cover makes it possible to get discounted premiums with the addition of each vehicle being covered. Whilst the fleet solution should provide savings, it is always prudent to compare it with the traditional one lorry one policy route

3 Ways to save money on the premium with 7.5 tonne lorry insurance?

1. Reduce Risk of Vehicle Theft

One way to reduce the cost of the insurance premium is to lower the risk of the lorry being damaged or stolen. An easy way to do this is to have the lorry stored in a locked facility when not in use, and have the facility monitored by cameras or a security system.

2. Pay the premium annually

Another option to reduce the cost of the premium is to pay the premium annually. This path avoids the charging of interest on the unpaid balance when monthly or quarterly payments are made.

3.increasing the excess voluntarily

By increasing the excess voluntarily, the risk to the insurance company is reduced and the cost of the premium is lowered. The excess amount is the amount that you would be liable for if you need to claim against the policy. Speak with your broker on the impact of increasing this amount on your policy premium. 

Comparing insurance options

Always compare Insurance quotes at renewal time. With the ease of obtaining multiple insurance quotes, it is easy to compare options come renewal time. Spend some time researching what is on offer with other providers as you may be able to save some money on your premium

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