Do you want your private meeting with a chiller trailer insurance broker to be successful? Your priority during this discussion is to ask relevant questions regarding the potential insurance coverage you plan to buy. 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 consulting an insurance broker, don’t hesitate to ask about 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 a liability insurance which covers for any damage that is 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 referred to as the “policy limit”. It’s your responsibility to know the minimum limit of your insurance coverage, so that you can make the right choices regarding your insurance policy limit after an accident.
Question #3 – How do you work out the price of my insurance policy?
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 of the prospective client‘s profile that are taken into consideration, such as age, driving record, background credit score rating, number of years driving a trailer, and 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 ranges for your chiller trailer insurance.
Question #4 – Are there any deductibles?
A deductible refers to the amount you are legally required to pay after an unavoidable event like an accident. For example, if the cost to repair a partially damaged chiller trailer amounts to $5,000AUS, your insurance company will pay for the expenses only after you paid the agreed amount of $1,000 as part of your deductible. If you aren’t sure how much your deductible is, ask your insurance broker. Keep in mind you might be offered to pay a higher insurance monthly insurance premium if you want a lower deductible.
Question #5 – Can you change your insurance policy anytime?
If you deal directly with a licensed insurance broker you have the advantage your insurance policy changing as needed. One of the awesome benefits of hiring an insurance broker to help you find the best insurance policy for your chiller trailer, is you will not face 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 flexible insurance policy right from the start.
If you really want to get a good deal with your insurance policy, clearly specify 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 are brokers that have extensive experience in the machinery and transport sector. To find out how we can help you and to get obligation free quotes, call 1300 815 344 or request a quote online.