What insurance for a truck?

What insurance for a truck?


Whether you are a professional or an individual owner of a truck or heavy vehicle, the question of insurance is essential. Depending on how you use your vehicle, the risks will not be the same. It is therefore important to be well informed in order to be sure that you are as well as possible covered. What is the best truck insurance? How much does it cost? What are the guarantees of heavy goods vehicle insurance? Our responses!

Summary

    What is the best heavy vehicle insurance?
    How much does heavy truck insurance cost?
    The 3 advantages of truck fleet insurance
    What risks are covered by truck insurance?
    Heavy goods vehicle insurance: what coverage?
    When to prefer temporary heavy vehicle insurance?

What is the best heavy vehicle insurance?

If you use a truck in the course of your work, then you must cover it with professional insurance in order to drive legally.

Whether you are an entrepreneur, manager of a transport company or even a craftsman, it is strongly recommended that you compare the proposals of the different companies offering business truck insurance. This is the only way to make sure you get the best deal, both in terms of terms and prices.
To receive truck insurance quotes online, you can:

    Ask several companies, specialized in heavy goods vehicle insurance or not, to send you their quotes. In this way, you will have access to some detailed and costed proposals. But you will have to be patient and tenacious (contact each company one by one and fill out as many online forms as you request rates).
    Use our truck insurance comparator. By using this tool, your research is facilitated and the quotes sorted to be adapted to your activity, your budget and your needs. Our comparator is free, anonymous and independent. You do not need to enter your details to access the offers. From contract research to membership, including assistance from our advisers, our service is free. Finally, Reassure me is an independent online broker: linked to no particular insurer, the advice of our experts is objective.

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You must also insure your van weighing less than 3.5 tonnes! In this case, it will be a question of taking out professional auto insurance. Likewise, an individual with a heavy vehicle will have to cover it. If it's a moving truck, consider truck term insurance!
How much does heavy truck insurance cost?

It is difficult to indicate examples of quantified prices as the characteristics of your vehicle (s) will influence the premium requested by the companies ... Indeed, many criteria are taken into account to calculate the price of your heavy goods vehicle insurance:

    The number of vehicles. The more important it is, the more the tariff will be.
    The model, type and age (or mileage) of the vehicle (s). The more they are expensive to maintain or repair, the more the premium will be. It will be different to insure a food truck than a fleet of buses.
    The use and routes of vehicles as well as the activity of your business. The cost of pro truck insurance will be based on all of this data: the more risky it is considered (for example, heavy goods vehicles traveling on long journeys or carrying risky goods), the more expensive your coverage will be.
    Driver (s): Their ages, auto insurance history and driving experience will be considered.

    You see, depending on your business situation, the cost of your truck insurance can vary from one to three times. However, always ask for multiple quotes and compare them! This is essential because not all organizations are created equal in terms of quality of coverage or price.