What is Vehicle Transporter Insurance?
Vehicle transporter insurance is a specialised form of insurance designed for individuals and companies involved in the transportation of vehicles.
Whether you’re a small business owner, a sole trader or a large corporation. If you use a lorry to transport vehicles for a living, it’s important to have insurance to protect your business against potential financial loss.
Whether you’re transporting cars, trucks, motorcycles, or other vehicles, vehicle transporter insurance is an essential requirement to keep your business running smoothly.
Insurance for transporters not only protects the driver but also others on the road. It can also be tailored to offer protection to the owner of the goods being transported.
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What is A Vehicle Transporter?
A vehicle transporter is a type of specialised HGV designed for transporting vehicles from one location to another. It is also known as a car carrier, car transporter or car hauler.
Vehicle transporters can be open or enclosed and typically have multiple decks for loading vehicles. They are often used by car dealerships, car rental companies, auction houses and other businesses involved in the transportation of vehicles.
Vehicle transporters are also used by individuals who need to transport multiple vehicles or their own personal vehicle over long distances. The size and capacity of vehicle transporters can vary and they may be equipped with ramps, winches or other tools to assist with loading and unloading vehicles.
Who Needs Vehicle Transporter Insurance?
Vehicle transporter insurance is a specialised insurance policy designed for individuals and companies involved in the transportation of vehicles. This can include those that operate vehicle transporters, tow trucks and even recovery vehicles.
If you are unsure what your vehicle will be seen as for insurance purposes, it’s best to speak to a broker.
The type of cover you need will depend on the intended use of the vehicle. This cover will then impact what protection you have. A comprehensive policy will provide financial protection against the costs associated with damage to the transporter and the vehicles being transported as well as third-party liability in case of an accident or injury.
Can You Get Vehicle Transporter Insurance For Personal Use?
Yes, it is possible to get vehicle transporter insurance for personal use. If you use a vehicle transporter for personal transportation purposes such as transporting your own vehicle or vehicles for friends or family, you will still need insurance cover.
Although personal use may not be as frequent as commercial use, it is still important to have insurance to protect against any unexpected events or accidents that may occur during transportation.
It is important to review the cover options and select a policy that meets your specific needs and offers adequate protection for your vehicle transporter and the vehicles being transported.
Types of Vehicle Transporter Insurance
There are several different types of vehicle transporter insurance available in the UK, including:
- Third-party liability insurance: covers the costs of any third-party damage or injury in the event of an accident. This does not cover the transporter or the driver.
- Third-party, fire and theft insurance: covers third-party damage or injury as well as damage to the transporter and vehicles being transported due to fire or theft.
- Comprehensive insurance: covers third-party damage or injury, as well as damage to the transporter and vehicles being transported due to a range of events, such as accidents, fire, theft, and weather-related incidents.
- Single trip or short-term insurance: covers the transporter and vehicles being transported for a specific journey or short period of time.
- Combined insurance: covers both the transporter and the vehicles being transported under one policy.
- Fleet insurance: covers all of the vehicles in a business fleet. This could be HGVs, vans or even things like tippers or skip lorries.
The type of policy you choose will depend on the specific needs of your business, the frequency of transportation, and the level of protection desired. It’s important to compare the coverage options carefully and choose a policy that provides adequate protection for your business.
How Much Does Vehicle Transporter Insurance Cost?
The cost of vehicle transporter insurance in the UK varies depending on several factors.
This can include:
- the type of transporter being used
- the size of the vehicles being transported
- the value of the vehicle (and vehicles being transported)
- the level of coverage
- the driver’s experience and any previous motoring convictions
- the driver’s age
- location
- security features on both the transporter and the vehicles being moved
It’s a good idea to compare quotes from multiple insurance providers to evaluate prices and coverage options.
It’s also important to choose an insurance policy that provides adequate coverage for the specific needs of your business, as this can help to avoid any gaps in coverage and minimise the risk of financial loss.
Frequently Asked Questions
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