Do you want your meeting with a chiller trailer insurance broker to become successful? Asking relevant questions regarding the potential insurance coverage you plan to buy should be your priority during this discussion. I suggest you include these top 5 questions on your list of concerns.
Question #1 – What kind of chiller trailer insurance will I need?
If this is your first time to consult an insurance broker, don’t hesitate to ask the kind of insurance policy that will suit your needs. If your insurance broker is an expert in this area, he or she might suggest you get liability insurance which covers for any damage due to your fault.
Question #2 – Is there a limit on my insurance policy?
There are certain limitations that can be applied on your chiller trailer insurance policy, often called the “policy limit”. It’s your responsibility to know the minimum limit of your insurance coverage, so that you can make the right choices on your insurance policy limit after the accident.
Question #3 – How do you derive my insurance policy price?
Even similar insurance policies differ in some ways and one of those is the price as a determining factor. When computing the price of your insurance policy, there are certain areas that are taken into consideration with the prospective client ‘s profile such as age, driving record background credit score rating, number of years driving a trailer including the area where you wish to drive the chiller trailer. The insurance broker will also evaluate potential risks involved and may recommend various policies with different price range for your chiller trailer insurance.
Question #4 – Are there any excess?
Excess is referred to the amount you are legally required to pay after the unavoidable event like an accident. For example, if the cost to repair a partially damaged chiller trailer amounted to $5,000, your insurance company will pay for the expense only after you paid the agreed amount of $1,000 as part of your excess or Deductible as it is also known. If you aren’t sure how much your excess is, ask your insurance broker. Keep in mind, you might be offered to pay a higher insurance premium if you want a lesser excess.
Question #5 – Can you change your insurance policy anytime?
If you will be dealing straight with a licensed insurance broker, you have the privilege to change your insurance policy as needed. One of the awesome benefits of hiring an insurance broker to help you find the best insurance policy for your chiller trailer, you will not encounter the possibility of having to change it from time to time as your insurance needs grow. The insurance broker is equipped with ample knowledge to pick the best insurance policy right from the start.
If you really want to get a good deal with your insurance policy, specify clearly your insurance needs as well as the budget you prefer. I’m sure a credible insurance broker will do everything to get you a discount on your chiller trailer insurance purchase.
Truck Insurance HQ specialise in the truck and transport industry and their team of brokers can assist you with your Chiller Trailer insurance. Request a quote online or give them a call by phoning 1300 815 344 .