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A Guide To Recovery Truck Insurance

This type of service will often employ a fleet of recovery vehicles that can include trucks, vans, 3.5 tonne plus trucks and tow trucks. If you have a fleet of recovery vehicles, then the vehicles can be insured as a fleet, which should work out cheaper.

The first step in researching the cost is to get multiple quotes from a range of brokers. MultiQuoteTime works in partnership with Quotezone who provide a simple form which once completed is submitted to a specialist panel of brokers. Members of the select panel will be in contact via the telephone to provide you with tailored quotes.

Recovery Vehicles

Several definitions are used to classify vehicles that are used for recovery, as detailed below.

What licence Type Do You Need To Operate A Recovery Truck?

A  licence with category "C" is sufficient to drive a recovery truck under 3,500 kg, for vehicles above this weight a "C+E" will be required

Recovery Trucks Provide A Breakdown Recovery Service 

Recovery truck drivers provide a breakdown recovery service to motorists that have a breakdown whilst in transit. Depending on the type of road risk insurance, it may even cover a roadside flat tire. If you have a road assist policy, please refer directly to it for details of inclusions and exclusions. For example, some policies limit the number of callouts over a fixed time period. For those that have multiple cars registered at the one address, then multi car breakdown cover may be better suited to your requirements. 

What Is Recovery Truck Insurance?

Recovery truck insurance is a cover that is required by UK law to legally operate on public roads. Just like all other motorised vehicle insurance, there are three different levels of cover that can be obtained. This includes;

Comprehensive insurance cover provides the most cover, protecting you, your car, and others in the event of an accident.

Typical Insurance Exclusions Include:

What Is Vehicle Transporter Insurance?

If you are not in the motor trade, but transport vehicles, then you will need vehicle transporter insurance along with goods in transit cover. The goods in transit will cover the vehicles that you are transporting. The quote system will provide quotes for both the motor trade and those that simply transport vehicles.

Do You Have More Than One Recovery Truck?

Many businesses have a primary focus of recovering cars that have been involved in accidents or are broken down on the road. For many of these businesses, they have more than one recovery truck.  If your business falls into this category you can also choose a fleet van insurance policy, a fleet policy will enable you to manage your insurance under one policy instead of multiple individual polices.

The businesses with multiple recovery trucks might also want the policy written so that any authorised employee can operate the transporter instead of designating one primary driver. This allows for multiple operators to use the same towing truck and still be covered.

What Additional Options Can Be Added In A Motor Trade Recovery Policy?

To keep a car transporter operational, the equipment in the back that makes it possible to attach and lift the disabled vehicles must be in proper working order. To protect this equipment there is an add-on to a recovery truck insurance policy called ‘tools, machinery and equipment’. This add-on will provide cover the cost of repairs and replacement if this equipment is damaged.

How Much Is Vehicle Recovery Business Insurance?

Every recovery business will have a different set of requirements based on types and numbers of tow trucks in the recovery fleet. As a result, giving an average costs for recovery operator insurance is not possible. The key factors that will determine the final premium include:

How To Save On Recovery Insurance

Recovery truck insurance is more expensive than standard truck insurance, but you can lower the premium by taking some simple steps, as detailed below. Some policies will provide a replacement van if your van needs to be repaired. If this is not included then you will need to hire a  replacement truck for the period, if the accident was not your fault this can be claimed back. Please note, if you do hire a van, the van rental excess amount can be excessive. This can be covered by taking out separate van excess insurance. This cover will provide protection for damaged and theft and some polices will include van key cover and even using the wrong fuel. 

Yes, the building and its contents can be included in the motor trade recovery truck insurance policy. This type of cover can help protect the business if there is a fire or other event that would cause damage to the property that might hinder the business’s ability to operate.

Start Comparing The Cost Of UK Recovery Truck Insurance Today

Finding the right policy can take time and normally involves checking multiple options over a range of brokers. We work in partnership with Quotezone who will forward your details onto specialist recovery vehicle insurance brokers, who in turn will provide you with multiple quote options. To get started, selecting the Get A Quote button below