Lorry Insurance Guide
Who are we?
Avis Insurance have been arranging good value Lorry insurance for over 25 years and we offer policies from all of the major UK insurers.
We understand the need to keep your vehicle on the road following a road traffic accident and offer at no cost to you a like for like replacement
vehicle up to 44 tonnes in the event of a non fault accident. We also offer many other insurance products for Lorry policies at very competitive
premiums such as Goods in Transit Insurance and Public Liability Insurance.
Call us Free on 0800 043 0552 for a quote or
Click here and we'll contact You
My Lorry Insurance Cover
How you are carrying your goods determine what Lorry insurance cover you will require:
Carriage of Own Goods Insurance - for the carriage of your business goods only and a typical example is a Groundworker, Scaffolder. Haulage Insurance
(Carriage of Goods For Hire and Reward) - this cover will be required if you are charging to deliver someone else's goods Lorry Insurance follows the
traditional types of cover of Comprehensive, Third Party Fire and Theft and Third Party Only. Comprehensive and Third Party Fire & Theft policies
will carry an excess - the first part of any insurance claim which you are responsible for. Typically the excess is £500. Cover can be arranged for all
types of policyholders which include sole proprietors, partnerships, limited companies, charities and other organisations.
Who Can Drive on my Lorry Insurance Policy?
Just like all types of motor insurance any request can be made on your Lorry Vehicle insurance. Insured Only, specifying named drivers or even Any Driver
Over 25 years of age. The norm is that all drivers are over the age of 25 however we are able to quote for young drivers if required. Typically a Full UK
driving licence is required for minimum of 2 years for that particular class of Lorry however we are able to quote for drivers with EU licence, International
licences and can also on occasion cover drivers who have held a licence for less than 2 years.
I've had an Lorry Insurance Policy for many years but still want to reduce my Lorry insurance premium
We have been active in the Lorry Insurance market for over 25 years. There are many schemes with insurers and brokers that will give no more than 40% No
Claims Discount if you have over 5 years claim free insurance. We have schemes with many large insurers who offer No Claims Discount entitlement up to 60%.
We constantly perform market exercise making us aware of our competition thereby ensuring that we remain competitive.
I want to start a Haulage business - how do I get a good deal on my Lorry Insurance?
We understand that a huge cost when starting your haulage business will be your haulage insurance. Earned no claims discount is usually a large factor of
consideration with Lorry insurance companies. We do not believe in penalising an experienced Lorry driver for not earning No Claims Discount. We have negotiated
huge introductory discounts from many of our insurance partners and pass these incredible discounts onto our customers.
For example:
- we can give an Introductory No Claims Discount if you are an experienced Lorry driver
- we can give an Introductory No Claims Discount if you have another Lorry being insured elsewhere
- we can give an Introductory No Claims Discount if you have experience driving for a previous employer
I may need to deliver goods into Europe?
UK Lorry Insurance is the standard contract. However it is becoming more regular that foreign use insurance is required. Temporary foreign use insurance to
European countries can be easily issued with a Green card extension. If very regular foreign use travel occurs then we can easily provide Annual cover for
European Lorry insurance by issuing an Annual Green Card.
I'm expanding my business and want more Lorry vehicles
We are a specialist Lorry insurance broker and have access to many Haulage Insurance and Fleet Insurance markets. Our typical Lorry insurance schemes are
designed for policyholders with up to 4 vehicles. If you have more then we may be able to offer you a Fleet policy at even lower rates.
Types of Commercial Lorry Insurance policyholders
The majority of Lorry Insurance policyholders are Haulage Contractors with policy terms of Carriage of Goods for Hire and Reward. In addition to these are
Furniture Removers. There are also many Own Goods Operators options, for example Landscapers and Landscape Gardeners, Scaffolders and Groundworkers. Obtaining
Competitive quotes for Skip Insurance can be difficult, as a specialist in this area however, Avis is able to offer competitive premiums for both Skip Lorry and Skip
Liability Insurance (should you leave your skips on the public highway).
What else will I need?
Goods in Transit Insurance is usually a must for all policyholders. We have facilities with large insurance companies and can offer all types of Goods
In Transit Insurance. For example, Goods In Transit All Risks cover up to any specified amount, GIT Insurance with RHA conditions of carriage, CMR cover
for all types of goods. We can offer this for individual Lorries and also multiple vehicles. UK and EU use can also be offered. We have no restriction on
types of goods carried and can include Insurance for Furniture Removers.
Public Liability Insurance and Employers Liability Insurance should also be considered and can often be included with a Goods-in-Transit policy.
Call us Free on 0800 043 0552 for a quote or Click here and we’ll contact You
Services for British mainland based residents and businesses only
