Haulage Insurance 2017-10-03T10:45:18+00:00

Haulage insurance

Need a haulage insurance policy for your business? ISIS is a specialist broker for HGV and lorry owners and operators.

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ISIS offer haulage insurance designed to fit around your business

We want to remove the stress of buying your haulage insurance policy. For Feefo 5 star service, as rated by our clients, pick up the phone now. You could be on cover within 20 minutes.

  • We’re not a call centre. Don’t queue, get straight through.
  • Instant cover, instant documentation.
  • Flexible payment options.
  • Discounts available for new ventures.
  • Discounts available for vehicles with fixed cameras.
  • Access to exclusive schemes you won’t find on the high street.

What is haulage insurance?

Haulage insurance is designed to protect you, your business and your vehicle when you haul goods. It can be tailored to reflect your particular needs, and is typically made up of a number of different types of policies and is something you’ll need whether you are a full time driver or business owner.

Depending on the cover you arrange, it could protect you when you are carrying your own goods or carrying goods ‘for reward or hire’. The size of your vehicle is also important. Vehicles under 3.5 tonnes may need LGV haulage cover, whilst those over that limit may require HGV haulage cover.

What other policies should I consider when buying haulage insurance?

There is a lot of variance between different providers and different policies. Haulage Insurance covers you for making deliveries to single locations. These are only examples:

  • Basic, 3rd party cover is required by law, of course. But just like with your private car insurance, this does not protect you, your vehicle or your business. You’ll need something that specifically protects you for business use.
  • If you have drivers working for you, even if only casually, you will need employers liability insurance by law.
  • You’re delivering goods and there can be hazards even when your lorry is parked up. If an accident happened when unloading and a passing member of the public were injured, you could face costly legal bills as well as have to payout compensation. For this reason, you should consider getting public liability insurance, too.
  • Goods in transit cover will pay for the repair or replacement of the goods you are carrying, if they are damaged or destroyed in a covered accident or other event. Many clients will expect you to have this level of cover.
  • Breakdown cover and/or roadside assistance are often added on as well. These make sure that your vehicle gets back on the road, and back making you money, as quickly as possible.

No matter what you need form your haulage insurance, ISIS is here to help you find a policy that addresses all of your issues.

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How do you know if you need haulage insurance?

It can be confusing. There are a number of considerations, such as the make and model of your vehicle, the amount of travelling you do on delivery runs, and the number of deliveries you make each day. All of these factors affect both which type of cover you need, and what you are likely to pay.

As a rule of thumb, hauliers drive a long way to deliver one load to one recipient, whilst couriers do multiple drops throughout the day. To ensure you have the right kind cover to prevent problems when accident happens, you need to make sure your insurance has been arranged by a specialist.

Confused? That’s where ISIS comes in. We can help you define just what commercial activity you’re using the vehicle for, and make sure you have access to the right kind, or kinds, of cover.

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