It’s an unfortunate fact of life that a lot of people tend to place insurance quite far down on their list of priorities. This can often be a huge mistake, particularly if you’re driving a vehicle as hefty, expensive and potentially damaging as a large goods vehicle, and that’s what makes LGV insurance so essential.
A large goods vehicle is classified as anything over 7.5 tonnes in weight, and given its size it makes sense to have insurance there. It could easily cause damage to other road users in the event of an accident, and what if the vehicle itself were to get damaged, vandalised or stolen? The costs will quickly add up, and if you want to protect your finances it makes sense to be completely prepared.
This type of insurance is even more important if you’re a fleet owner. You need to make sure that all of your drivers are properly covered if you want to avoid any nasty consequences, so always make sure that every single vehicle is covered with a fully comprehensive policy to keep your financial interests secure.
Because these vehicles are so specialised, it’s always best to head to the experts. You need to go for cover that’s been tailor-made to suit your vehicle and your business and luckily there are plenty of brokers and insurers that will gladly advise. But, never underestimate the importance of direct contact if you want to get the best cover that you can.
Although simply signing up for an online quote can be perfectly adequate for normal vehicles, in these situations it’s wise to have a more thorough chat with your potential insurer. Not only will you be able to get a bespoke policy but you’ll be able to negotiate prices as well, and this can be invaluable at helping to save some cash.
But, remember to think about any added extras that can be included as well. Things like specialist breakdown assistance should always be considered (normal breakdown services probably won’t be able to help) as well as goods in transit cover, as the contents of your lorry could well be pricey. Most specialist insurers will gladly accommodate, so always see what can be offered.
So, always make sure to invest in LGV insurance if you don’t want to worry about any mishaps occurring on the road. There are plenty of companies that will be able to oblige and plenty of quotes to choose from, and as long as you remember to shop around you’ll be able to get a bespoke policy that can give you the exact level of cover that you need.