Whether you drive a lorry for your landscaping business or you own a fleet for your removal business, you will need adequate truck insurance.
Obtaining a truck insurance quote is easy, there are so many good companies offering their services online from comparison sites to specialist brokers who work with a team of leading insurers to provide you with the best possible deals.
Start by searching online, it’s always advisable to get a minimum of three quotes. This gives you the ability to compare and review each quote, finding the best deal for your business.
Bear in mind that your type of business is going to play some role in the premium you pay. If your business is responsible for moving goods from one location to customers and you include some international driving on a weekly basis, you can expect to pay slightly more than a landscaper that only drives within their local area.
Always decide whether goods in transit cover is essential to your business. Whether you manufacture your own products and deliver them to customers or you run a courier company, you want to know that anything in the back of your lorry is protected in the event of an accident or theft.
It is so important that you don’t grab the first truck insurance quote you receive. Take your time, remember this is your business you are working with and you deserve the best level of cover to give you peace of mind when you open the doors on a daily basis.
Ensure you list your drivers accurately on the form, the age of your drivers, their driving experience and their clean license can help you with your premium amount. Younger drivers are considered a risk to insurers and will therefore increase your premium amount, where those over twenty five with a clean license will help keep your costs to a minimum.
When you are looking for truck insurance quotes online, you will notice the estimates will come through at affordable rates, which may appear too good to be true. Go over them with a fine tooth comb, because often you will note that you have only been offered the most basic level of cover.
Chances are you will need to amend each of the truck insurance quotes received and then compare them and review them all over again. Making changes gives you an opportunity to see how flexible the insurance company is and how willing they are to tailor the policy to meet your specific requirements.
Once you have all the corrected estimates in front of you, it’s time to do some homework, reading up on each of the companies, reading any customer reviews you can find online and seeing how effective and efficient their claims process is.
The speed in which they handle claims is as important as having adequate cover. If your lorry is involved in an accident and you claim, you need to know it will be dealt with in an effective manner, so you can get back on the road and get back to making money.
A company that drags out the claims process, should be put to one side and go onto the next company. The only way to really determine this is to type the company name into your search engine and then go on the forums and see what customers have to say about their experiences.
If you can’t find any information, then ask the company for some references, they should be more than happy to provide you with some names and numbers you can call.
Once you are completely satisfied, you can then take the remaining truck insurance quotes and decide which one is the best match for your business.