Recovery Truck insurance - 3.5 tonne Recovery Vehicles - MultiQuoteTime

Recovery Truck Insurance Comparison

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3.5 tonne recovery vehicle insurance

Recovery Truck Insurance is financial protection for those who are on the road helping others recover their vehicles. This type of business is in the motor trade industry and includes tow trucks used for both private and commercial uses.  

Recovery Truck Insurance

All vehicles on the road in the UK must be protected with adequate insurance, including the trucks that assist those involved in accidents or are broken down. This type of policy is referred to as recovery vehicle insurance.

The first step in researching the cost is to get multiple quotes from a range of insurance brokers. MultiQuoteTime works in partnership with QuoteSearcher 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 trucks provide a breakdown recovery service on the UK roads

Recovery truck drivers provide a breakdown assist service to motorists that have a breakdown whilst in transit. Depending on the type of breakdown cover, it may even cover a roadside flat tire. If you have a breakdown 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.

  • Third Party : The minimum coverage allowed by UK law is Third Party insurance. This covers the cost of the other vehicle and medical bills when you are at fault in an accident.
  • Third party fire and theft : has the same coverage as the standard Third Party plus protection if your vehicle is damaged by a fire or is stolen through no fault of your own.
  • Comprehensive insurance This policy provides the most cover, providing protection for you, your car and other third parties in an event of an accident. 

Typical insurance exclusions include:

  • Wear and Tear : No vehicle insurance policy will cover normal wear and tear that occurs over time and usage.
  • Keys : Lost keys are normally not covered, but you can take out a key protection cover to cover hte costs of being locked out and the cost of new vehicle keys.
  • Driving under the influence of alcohol and/or drugs  This will not only invalidate your insurance , getting DR10 insurance will be expensive.
  • Driver not on policy: The driver must be named on the policy, unless you operate under  an any driver van policy. Again, under any driver terms, all drivers must adhere to any given limitations. A typical limitation is all drivers must be over 25.  

Types of Recovery Truck Cover

Because this type of motor trade insurance involves the moving of a third party’s vehicle, additional cover should be considered for added protection. These optional areas include;

  • Public liability cover for protection if a claim is filed by a third party for any reason.
  • Legal cover to help pay the legal bills if a claim is filed against your services.
  • Road risk insurance: This type cover used manly by the motor trade industry and lets you drive cars that you do not own. 
  • Business premises cover :  This will cover your business premises or garage that you house your recovery trucks or other road-side assistance vehicles. 
  • Loss of Licence - If  you lose your licence will place your business under financial strain. Loss of licence is a cover aimed at providing you with compensation in such a scenario.  
  • Tools and equipment cover : If you have invested in expensive recovery equipment and tools. Check with provider that this cover extends to when your equipment is in your recovery truck. 
  • Carriage of Vehicles cover: This cover provides protection to the vehicles that you are towing or transporting.

What types of covers should an owner of more than one recovery truck have?

Many businesses have a primary focus of recovering vehicles 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 multi 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 vehicle instead of designating one primary driver. This allows for multiple operators to use the same recovery vehicle and still be covered.

With multiple vehicles, there are generally employees hired to operate the recovery vehicles. If you employ staff, having employer’s liability cover is a legal requirement. This type of policy will provide protection to your employees. 

What are the additional areas that can be covered with a recovery truck insurance 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 vehicles in the recovery fleet. As a result, giving an average costs for recovery truck insurance is not possible. The key factors that will determine the final premium include:

  • The size of your business in terms of number of recovery vehicles and drivers
  • Business location, some locations attract a higher premium if deemed to be in a higher crime risk location
  • The number of staff, drivers and admin staff
  • The type and level of cover that you choose.

How to save money on recovery truck 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 recovery vehicle 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 daily van hire insurance. This cover will provide protection for damaged and theft and some polices will include van key cover and even using the wrong fuel. 

  • Some brokers will offer discounts for operators of a recovery truck that have a low number of annual miles placed on the vehicle.
  • No claim discounts (NCB). Keep a good history and only employee drivers with a good history. 
  • The presence of dash cams that create evidence when an accident occurs.
  • Paying for the entire policy on an annual basis instead of monthly payments.
  • Make sure drivers are 25 or over and hold a clean driving history and if possible select named drivers only. 
  • Increasing the excess amount. This is the amount that you would be liable for if you caused an accident. If you speak with your broker about accepting more risk (increasing the excess) they will normally adjust your premium accordingly. 
  • Security: Invest in improving security. Examples include installation of CCTV,  secure gates, tracking and immobilizer devices. 
  • With some brokers, it is possible to transfer your personal no claim's bonus to your traders policy. This can apply to both full time and part time motor trader insurance.

Can the building, that the recovery trucks operate out of, be included in the policy?

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 QuoteSearcher who will forward your details onto specialist recovery truck insurance brokers, who in turn will provide you with multiple quote options. To get started, selecting the Get A Quote button below

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