At Consolidated Insurance Brokers we specialise in Vehicle Insurance
Trucks, Plant and Vehicle Insurance is a little bit different than insurance for your personal-use car.
Commercial Motor Vehicles may require cover for a range of accessories, items such as signwriting or permanent equipment attached to the vehicle for work. If your vehicle is a truck, or has a carrying capacity greater than 2 tonnes, you will need to start thinking about the radius you travel and consider driver declarations for employees to help protect your business.
You’re probably aware of license restrictions for drivers – but insurers may also require minimum experience or age requirements too. With Truck Insurance we have multiple insurance options on the market to find you the insurance cover you need.
Larger vehicles may not be eligible for windscreen options, and rather than a hire car benefit, we’ll look to provide lost profits if your truck is out of action due to an accident. You may also need to consider insuring the goods you are transporting or the trailer you are towing – even if you do not own them.
How can CIB help?
Mobile Plant items are similar, but rather than just lost profits, you may require other financial protection such as the gap on a lease payout if you have to write off the item. Mobile Plant Insurance may be for plant items you own, hire from someone, or hire out yourself. We can include extensions such as damage to lifted goods or machinery breakdown.
We can package a combination of vehicles and plant under a fleet policy for additional benefits. Many of these benefits make maintaining your fleet easier. For example, you may take an option to have simplified additions and deletions to vehicles as they change through the year, with a single bill or refund at renewal.