Heavy goods vehicle insurance: what coverage?
Like any motor vehicle that can cause damage and be the victim of an accident, you are required by law to purchase heavy-duty truck insurance.
However, your vehicles aren't your only business assets that need to be insured. As a professional and depending on your profession, you know that other coverages are legally required, such as that of your business premises, storage or parking, or your professional civil liability.
You therefore have the choice of purchasing each insurance independently, or all of your coverages with one and the same company, for the sake of convenience or savings. This is called multi-risk coverage. Such protection will allow you to benefit from full coverage for the exercise of your activity. Depending on the level of coverage, damage to your trucks, material transported or equipment contained in your premises may be covered.
When to prefer temporary heavy vehicle insurance?
Temporary or provisional truck insurance concerns heavy goods vehicles in transit through foreign territory, even for a few kilometers.
Thus, if a foreign freight carrier passes on a road in France, he must take out local temporary insurance to be covered in the event of an accident in the country. And vice versa, if a French driver leaves the territory to resell his heavy goods vehicle in Germany for example, then he will have to take out temporary and additional truck insurance to cover himself also on the spot.
Indeed, the customs services of the majority of countries obligatorily impose the subscription to truck insurance so that the vehicle is in order on their territory.
Term insurance is often immediate if you take it out online and is applicable in all European countries as well as in other foreign states. You decide how long it lasts, up to a maximum of 90 days. There is only one driver designated in the contract.
Like all insurance and even if it is only temporary, do not forget to compare the offers before subscribing (price and scope of cover included)! We also advise you to check that the country you are going to cross is mentioned in the contract.
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