Trucks, often referred to as Heavy Goods Vehicles (HGV) need to be insured just as cars do but with HV insurance there are far more choices available. Some of the factors that affect detailed lorry insurance are their size, the types of freight they carry, the age of the drivers and the countries they are expected to drive through. As there are so many options, many HGV owners opt to use specialists in HGV insurance to find the best policies for them. These specialists are experts in the field of insurance and so know all the sometimes confusing terminologies that the insurance companies like to use. They are also aware of the specialist requirements of the HGV owners and so are able to provide each owner with the best possible policy for their own particular and often unique situations. As they also know all the different policies that the different insurance companies offer, they can link an owner with a suitable policy in a matter of moments, enabling them to provide quotes online.
Insurance for HGV is of course a legal necessity and so any insurance company will be able to offer you a quote for their best policy but sometimes even the best policy some companies can offer, are not suitable for your specific situation. This means that if you do not use a specialist, unless you want to have a policy that doesn’t really suit your needs, you will have to make enquiries of many different insurance companies. Contacting more than one company of course, takes time, time which most HGV owners do not necessarily have. It isn’t just time that HGV owners can save by using an HGV insurance specialist, often they also save money as, as well as knowing which policies are suitable, the specialists also know the policies which are cheapest.
Although all countries have laws regarding insurance for HGVs, not all those laws are the same from one country to another and so that is why, you must provide the specialist with all the countries your trucks may have to drive in or through, enabling them to ensure that your HGVs are appropriately covered in any country they may have to make deliveries to.
Specialists in HGV insurance are of course aware of what types of journeys the trucks may make in order to deliver to, or at least pass through, in the course of carrying out their jobs correctly. The specialists must therefore be aware of the other countries’ legal requirements concerning HGV insurance and be able to assure the HGV owners that they will be getting adequate and legal insurance coverage, for any of the countries they anticipate their trucks visiting. It is perhaps the experience that the specialists have in the field of insurance, combined with the fact that they hold no allegiance to any one company, which allows them to provide such a fast and accurate recommendation. With the assistance of one of these specialists, you may be pleasantly surprised at cheap your insurance is.