7.5 Tonne Lorry Insurance

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  • 7.5T Private and Business use
  • Cover available for carriage and reward
  • 3.5T lorry insurance also available
  • Easy form fast quote
  • HGV's 7.5 to 44 tonnes
  • Cover for driving within the EU

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. We offer a wide range of insuramce options for both trucks and vans. If you run a recovery business then we can provide you with multiple quotes for recovery truck insurance.

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 like the horse boxes.

What is required to operate a 7.5 tonne lorry?

To operate a 7.5 tonne lorry requires a UK C1 driver’s license. This classification permits the holder to operate any lorry from 3.5 to 7.5 tonnes.

What is 7.5 tonne Lorry Insurance?

The 7.5 tonne 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?

Yes, there are several that can help operators of lorries when on the road for help with a disabled lorry along with financial protection for the load being transported.

  • 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 this is a necessity. There is the standard cover, national cover which is recommended so the lorry can be towed to the destination of choice. For those with destinations in Europe, there is also European cover.
  • Goods in transit cover is also recommended just in case 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 3 to 7.5 tonne lorries?

For owners of 3 to 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.

How can I save money on the premium with 7.5 tonne lorry insurance?

The surest 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.

An easy way to lower the cost of the premium is to pay the balance annually. This path avoids the charging of interest on the unpaid balance when monthly or quarterly payments are made.

By increasing the excess voluntarily, the risk to the insurance company is reduced and the cost of the premium is lowered.

The right 7.5 tonne lorry insurance can help in creating a positive revenue stream for your family. Nearly every commodity is transported by an HGV which makes this lucrative business venture. Having the correct cover can help keep your revenue stream in tack even when an obstacle is encountered.

7.5 Tonne Lorry Insurance