Do you use a heavy truck for your business? The question of truck insurance is therefore essential. Like any vehicle, trucks must be covered by insurance to be able to drive legally. The risks to which your vehicle is subject vary depending on how it is used. To be sure of being covered as best as possible, information is therefore essential. What is the best insurance? What is the price? Or what are the guarantees? Find out everything you need to know about truck insurance.
When we talk about heavyweight or truck, we refer to all commercial vehicles intended for the transport of goods, namely semi-trailers, trailers whose total loaded weight exceeds 350 kg. To drive this type of vehicle, a C license is essential.
Truck insurance has several particularities compared to other insurances, namely:
In principle, the contract mentions the following information:
To be effective and useful in the event of a disaster, your heavy vehicle coverage must absolutely be adapted to your business. To do this, insurance companies generally offer various formulas. These can then include several guarantees, up to the complete coverage that is called all risks.
To complete and personalize your coverage, various additional guarantees are offered to you, such as:
We told you about it above, the all-risk coverage is the most comprehensive. It includes several guarantees such as the driver's body insurance in the event of an accident and any incident involving the insured vehicle. An option for goods transported in the event of theft or destruction following a collision, accident, breakage... can also be added.
The price of truck insurance can vary depending on several factors. Among others:
Do you have more than five trucks? You can of course take out individual truck insurance for each of them with the same insurer or with several insurance companies. However, you can also take out a single contract for all your vehicles: Heavy vehicle fleet insurance. The latter offers several advantages: First, you benefit from a single contract for all the heavy goods vehicles in your company. As a result, management is easier, because you communicate with a single company and a single interlocutor. Plus, it saves you time.Second, you benefit flexible insurance. Indeed, your insurance policy corresponds to the specificities of your fleet. Whether they are vehicles with ancillary structures such as trailers, commercial vehicles or heavy passenger vehicles, guarantees are adapted to your activity and the use you make of your vehicles. In addition, the police mention the particularities of your vehicles. Thirdly, you benefit financial advantages. Indeed, depending on the size and characteristics of your fleet, your insurance company can grant you the absence or the pooling of bonus-malus, the calculation of contributions on an annual basis, etc. In addition, it can also give you discounts depending on the number of heavy goods vehicles insured.
Temporary heavy vehicle insurance is, as has been said, intended for vehicles in transit on foreign territory. It temporarily covers the truck while they are in the country. Temporary truck insurance lasts maximum 90 days and is owned by a single driver. In other words, if you have several vehicles in transit abroad, you must take out a temporary contract for each vehicle. You can subscribe directly online. In principle, this type of insurance is applicable in all countries in the European area.
The best truck insurance is the one that best suits your needs and budget. There are different types of truck insurance:
To find the best insurance, you need to involve the competition. For this:
You can also use an online insurance comparison tool to save time. In a few minutes, you will find offers based on the type of your vehicles and the use you make of them.
