Compare 7.5 Tonne Lorry Insurance
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Guide To 7.5 Tonne Lorry Insurance
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The 7.5 tonne lorry is a popular choice with farmers to transport their livestock to market, or to bring your pony to show trials. It is also a favourite choice for the delivery sector. The cover required will depend on the intended use. This guide is intended to provide you with guidance on 7.5 ton truck insurance options.
Key Takeaway : Always inform your insurance provider in advance if your intended use of the lorry will change. Failure to do so could result in you driving your lorry with the incorrect insurance. Which in the eyes of the law and the insurance provider is the same as driving with NO insurance cover.
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Table of Contents
Compare 7.5 Tonne Lorry Insurance
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Guide To 7.5 Tonne Lorry Insurance
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What Types Of 7.5 Tonne Lorries Are Covered?
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What Are The Three Types Of Operator Licence?
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What Is 7.5 tonne Lorry Insurance?
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Option Extras For 7.5t Lorry insurance
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More Than One 7.5 Tonne Lorry?
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How Much Does Lorry Insurance Cost?
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What Types Of 7.5 Tonne Lorries Are Covered?
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.
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?
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.
In addition to the third party cover, this level of cover will pay if your 7.5 tonne Lorry is damaged by fire or stolen.
All above plus cover for any damage to your own 7.5 tonne Lorry, even if you were at fault.
Option Extras For 7.5t Lorry insurance
The most common add-ons are goods in transit cover and breakdown recovery.
More Than One 7.5 Tonne Lorry?
If you operate a fleet of lorries, you can also consider courier fleet insurance if you are providing a hire and reward service. Going the fleet insurance route should make it possible to get discounted premiums with the addition of each new vehicle to the policy. Whilst the fleet solution should provide savings, both options, fleet cover and a separate policy for each lorry should be considered.
How Much Does Lorry Insurance Cost?
The cost of commercial vehicle insurance will depend on a number of factors and facts that are used to determine the risk that you pose to the insurance company. The higher the risk, the higher the cost. The cost will also vary from insurer to insurer, one good reason to get multiple quotes.
Tips To Save Money On 7.5T Cover
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.
Pay 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.
Telemetric Devices
Telemetric Devices : Having a recording device installed can help reduce costs if the information meets the insurance provider's criteria for belonging to a lower risk bracket.
Increasing The Excess Voluntarily
By increasing the voluntary excess, the risk to the insurance provider 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 cover 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
7.5T Insurance FAQ's
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.
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