STANDARD TERMS AND
CONDITIONS OF CARTAGE
Commercial Motor Insurance
Covers up to 10 vehicles – ideal for self-employed clients and small to medium-sized businesses, such as electricians, real estate agents, landscape suppliers, traders and local delivery carriers.
What is Truck and Machinery Insurance and Why Do I Need it?
Truck and Machinery insurance is very similar to car insurance in that there are two components involved: Comprehensive insurance and Third Party Insurance.
Comprehensive Insurance is insurance that covers damage done to your own insured truck or machinery and covers repairs caused by things that are unexpected such as faire, theft, collision or weather related events.
Third Party Insurance – This type of insurance covers damage to other people’s vehicles and property. If your truck or machinery is damaged at the same time or in the same event and the accident is your fault then it will not be covered for repairs.
What does a Truck Insurance Quote consist of?
At TruckInsurance HQ we take the hard work out of it. With such a comprehensive range of insurance products and providers available it can be overwhelming to know where to start. We do the leg work for you and find the most cost-effective insurance product available and tailor this truck insurance solution specifically to your needs to minimize any potential risks to your business now and in the future.
How long does it take to receive my truck insurance quote?
The majority of quotes will be returned within 2-4 hours. However if your quote is more involved, it could take 2-3 days.
I already have insurance and would like to see if I can obtain a better price, how long does this take?
If you currently have insurance in place and wish to remarket that insurance we recommend waiting until 30 days prior to your next renewal date as most insurer’s wont quote more than 30 days out. We also recommend getting an up to date copy of your claims history for the previous 5 years.
Fleet and Heavy Haulage Insurance
How long does it take to receive a quote for a Fleet Management Company?
If you have a fleet of 10 vehicles or more you can expect to receive your quote within 1-2 weeks. We provide prompt quotes for businesses that use vehicles in their daily operations such as small family operations or a large corporate fleets. Our insurance quotes will ensure your people are kept safe and your vehicle assets protected.
Marine Cargo Insurance
What is marine cargo insurance?
Marine cargo insurance is also referred to as Carriers Insurance and covers the value of goods that are being transported.
What does marine cargo insurance cover me for?
The value of the goods that you are transporting and you are covered for loss or damage to those goods as a direct result of theft, fire, flood, collision, overturning, loading and unloading. You are not covered for any consequential or indirect loss or damage.
Why do I need a Consignment Note?
As a transport operator it is important to have a consignment note with valid terms and conditions so you are not held liable for any consequential loss that may fall outside the terms of your insurance policy. If you are unsure and need further information, please give us a call and we can ensure you receive a quote that covers you requirements.
How long will it take to get a Marine Cargo Insurance quote?
It generally takes anywhere from 2-4 hours for you to receive a marine insurance quotation.
What Impacts Your Premium
- Operational Radius
The radius in which the truck will operate or the straight line distance from the base of operations to the furthest destination.
What you carry in your truck impacts your premium. If for example you move general freight such as boxes and cartons this will be vastly different to refrigerated goods, livestock or dangerous goods.
- Who Will Be Driving The Truck
When it comes to the person driving the truck we must know if the person is under 25 years of age and also, if they have been licensed to drive a truck for less than 2 years. You will also need to provide information on traffic infringements, loss of license or any criminal convictions.
If you have a fleet of trucks and you are using inexperienced prime mover drivers for example who are transporting dangerous goods, livestock or refrigerated items then the configuration of the trailer and the radius they are travelling is factored in to the quote.
- Years of Experience
Similar to a No Claim Bonus when insuring your car, every year spent without accident a 10% no claim bonus up to a maximum of 50%.