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A BIT ABOUT LORRY INSURANCE IN NORTHERN IRELAND
There are numerous Lorry Insurance policies on the market, and they all depend on your type of business, along with vehicle use. There are also a wide variety of options such as liability, breakdown, and goods in transit cover. Locating insurance providers that are able to provide Northern Ireland with not only correct, but affordable Lorry Insurance can, without a doubt, be frustrating and time-consuming.
Whether you have a skip lorry, or a 60 tonne big boy for UK, EU, or worldwide use, we can help you compare a number of Lorry Insurance policies and obtain the best quote available that is suited exactly to you and your business needs. Just because you have a hefty vehicle, doesn’t mean you need to have a hefty insurance quote.
As is the case elsewhere in the UK, providing insurance is a very competitive industry. Each and every one of Northern Ireland’s providers are competing for your business as they attempt to deliver the absolute lowest premiums available. From the point of view of the haulier, Lorry Insurance is yet another unavoidable expenditure alongside that of ever-rising fuel costs. One being able to save money on such an essential expense could very well be the difference between profit and deficit during a market downturn.
Comparing Lorry Insurance premiums in Northern Ireland on your behalf to obtain the best quote, is what we do. There are a few things that you can do, that can help in lowering premiums.
Premiums are known to be affected by several factors such as the use of telematics, verifiable regular maintenance, the age of your drivers, and their collective no claims bonuses. Another factor is where you park your vehicle. It could be an overnight stay in a public area, or in a secure gated entrance facility with closed-circuit TV and guard. You will find that insurers are willing to offer lower Lorry Insurance premiums to those who place security high on their agenda.
Discounted quotes are also available should you operate at a local level rather than UK wide.
Bear in mind, that there are several different classes of lorry, and thus different quotes. As is the case with most other types of insurance, Lorry Insurance involves three main cover types.
Types of Insurance Available for Your Lorry
Third Party Only (TPO)
This is the minimum level of insurance required by law and provides cover for:
Liability for injury to others including passengers
Damage to third party property
Liability while towing a caravan or trailer
Third Party Fire and Theft (TPFT)
This covers all the things that third party insurance does and also:
Theft actual vehicle
Damage to your lorry caused by theft
This type of policy will provide you with the most extensive level of cover. In addition to everything that is covered by third party and theft it can provide cover for:
Some other optional types of cover that are available on you Lorry Insurance policy:
Goods in transit cover
Personal accident and sickness insurance
Uninsured loss recovery