What is Dropside Lorry Insurance?
Dropside lorries, also known as flatbed trucks, are versatile vehicles commonly used in various industries such as construction, landscaping, and delivery services. They feature sides that can be dropped down for easy loading and unloading of goods. Given their specialized nature and the unique risks associated with their use, dropside lorry insurance is crucial for protecting these vehicles and their operators.
Dropside lorry insurance is a type of commercial vehicle insurance designed to cover the specific needs and risks of operating dropside lorries. This insurance typically includes cover for damage to the vehicle, third-party liability, and may also offer protection for goods in transit and tools carried on the vehicle.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
Who Needs Dropside Lorry Insurance?
Any business or individual using a dropside HGV for commercial purposes should consider dropside lorry insurance. This includes, but is not limited to:
- Construction Companies: Often use dropside HGVs to transport materials and equipment to and from job sites.
- Landscaping Businesses: Utilize these vehicles to move soil, plants, and heavy gardening tools.
- Delivery Services: Require the flexibility of dropside lorries for delivering bulky items that do not fit in standard delivery vans.
- Self-Employed Contractors: Who own and operate dropside lorries for various tasks.
Cover That Can Be Included On Your Policy
Dropside truck insurance policies can vary widely, but they typically include several key types of coverage:
- Third-Party Liability: Covers costs associated with damage or injury to third parties.
- Comprehensive Coverage: Includes protection for your vehicle against theft, vandalism, and accidental damage.
- Goods in Transit: Covers the items being transported in the lorry.
- Public Liability: Protects against claims made by the public for injury or damage caused by your vehicle.
- Employer’s Liability: Required if you employ others to operate the lorry.
- Breakdown Assistance: Provides help if your lorry breaks down.
How to Compare Dropside Lorry Insurance Quotes
When compare lorry insurance, it’s essential to consider several factors to ensure you get the best coverage at a competitive price. Here are some tips for comparing quotes effectively:
- Assess Your Needs: Determine the level of coverage you need based on how often and where you use your dropside lorry. Consider the value of the goods you transport and any additional risks associated with your business.
- Get Multiple Quotes: Obtain quotes from several insurers to compare prices and coverage options. Use online comparison tools to streamline this process.
- Check Coverage Details: Look beyond the price and examine what each policy covers. Ensure that essential protections like third-party liability and goods in transit are included.
- Consider Excess Amounts: The excess is the amount you’ll pay out of pocket in the event of a claim. Higher excess can reduce premiums, but make sure it’s an amount you can afford.
- Look for Discounts: Some insurers offer discounts for multiple vehicles, no-claims bonuses, or for fitting additional security features on your lorry.
- Review the Insurer’s Reputation: Research customer reviews and ratings for the insurers you’re considering. A company’s reputation for handling claims and customer service can be as important as the policy itself.
- Consult with a Broker: Insurance brokers can provide expert advice and may have access to policies not available to the general public.
