Skip Lorry Insurance

Compare Skip Lorry Insurance UK Quotes 

Why is skip Lorry insurance expensive?

Tippers are both expensive to buy and expensive to insure. These vehicles can be found hard at work on any UK build site and are invaluable to the construction industry. All the big lorry manufactures produce a tipper version, but MAN and Mercedes-Benz have the bulk of the sales. These are complex pieces of machinery with expensive parts, which makes them a higher risk than the standard 7.5 ton transport lorry. The risk is reflected in the higher insurance cost when compared to 7.5 tonne insurance cost. Unfortunately, the expensive parts also make them the target of would be thieves. This additional risk must also be factored into the final cost. 

Skip Lorry Insurance cost factors

By law, all vehicles that operate on public roads need to be insured. Should you be driving a particularly large commercial vehicle, extra care needs to be taken when choosing cover. Keeping other road users safe along with being prepared for anything that might happen is a priority.

The skip lorry insurance premium is directly affected by the weight of the vehicle. As is the case with a Skip Lorry, their weight will put them in the ‘heavy’ vehicle category which ranges from 11,794 kg to 14,969, the same category as mobile cranes, rubbish trucks, and tractors. The general rule of thumb is; the larger the vehicle, the greater the risk of an accident, along with the fact that more damage can occur in the event of a mishap, so the premium cost will be higher.

How to reduce Insurance costs

Look at ways that you can directly reduce the actual risk of theft, and take steps with guidance from your broker to put these into action. We have listed a few key areas that can quickly help provide you with a cheaper quote for your commercial vehicles or vehicles. 

Additional Security

Providing secure overnight parking will help reduce your annual premium. Enlist the help of a professional company or take recommendations from your broker on how best to implement secure parking or how to improve your existing  security systems. 

Fleet insurance

If you have more than one tipper or a mix of commercial vehicles, consider getting them covered under one fleet policy. Fleet polices exist for different categories of vehicles and vehicle usage, taxi fleet insurance for taxi firms and HGV fleet insurance for commercial trucks and vans.  Before opting for fleet insurance, do compare the traditional one vehicle one policy alternatives as fleet insurance is not always the cheapest option.