Heavy Goods Vehicles

UK/EU breakdown assistance
Uninsured loss recovery
Windscreen repair and replacement
Options for Comprehensive and TPF&T cover
Laid up cover (as long as the vehicle is SORN and kept in a secure yard with a locked gate)
Foreign use both annual and temporary basis
Loss or damage cover for skips whilst attached or detached when taking out a skip and waste policy.
Cover for the carriage of hazardous goods up to a maximum of 5% of turnover, excluding classes 1 & 7, 2.1 & 2.3
Cover for vehicles up to a maximum of £250,000 gross train value

Vehicles 5 tonne gross vehicle weight or above that require an operators licence
Vans including service vans and pick-ups when accompanied by a large heavy goods vehicle and do not makeup more than 50% of the overall risk
Hire and reward use – general haulage, freight
Continental haulage
Heavy haulage up to 100T GVW including the carriage of plant
Own goods use – builders, scaffolders and allied trades
Livestock transport (breakdown assistance excluded)
New ventures – subject to sight of a 2 year claim free driving letter from the proprietor
Skip and waste, recycling and scrap metal dealers
Non hazardous tanker operators
Removal contractors
Tipper operators

Concrete mixers
Breakdown and recovery vehicles
Van only risks
Couriers inc’ express parcel and mail delivery
Carriage of hazardous goods exceeding 5% of turnover or whist carrying goods within categories 1 & 7, 2.1 and 2.3
Drivers under 21 years of age
Vehicles with performance related modifications
Risks without a valid operators licence
Skip and waste risks without a valid waste carriers licence
Vehicle and caravan transportation
Boat transportation
Vehicles with “Q” registration numbers