If you own a truck, or fleet of trucks, then you need to make sure you get the right type of insurance.

Below is a guide to the types of truck insurance you can get as well as some ways to save money.

Types of truck insurance

• Road risks – Road risks are something you must always get. In order for your truck(s) to be road legal, you need to have a third party only policy as a minimum. If you want more protection then you can get fire and theft added to a third party policy or get fully comprehensive insurance.
• Liability claims – Liability claims are something that every business must be prepared for. You can get liability cover added to a truck insurance policy so you’re fully protected if a claim goes against you.
• Legal fees – Legal expenses are often included in truck insurance policies and ensure that if you needed to fight a liability claim in court, the legal costs would be covered.
• Breakdowns – Breakdown assistance can also be added to a truck insurance policy for an extra cost.

Ways to save money

• Get a fleet policy – If you have multiple trucks that you need to insure then getting a fleet policy will enable you to do this very easily. Fleet insurance often works out considerably cheaper than getting separate policies so it’s definitely worth considering.
• Make security a priority – You should take any steps you can to make your vehicles more secure. This means having them alarmed of course but you should also use tracking devices so that they could be recovered if stolen. It’s also worth making your premises as secure as possible by installing CCTV, security lights etc.
• Shop around – Getting a lot of quotes is something you should always do when looking for truck insurance. Sites like Clean Green Cars enable you to get quotes from many different truck insurance providers simply by filling out one quote form.
• Hire good drivers – If you have a trucking firm then one of the best ways to keep the cost of insurance down is by hiring the best drivers you can. Drivers that cheapest to insure are those that are considered lowest risk by insurance providers. This is typically drivers who are over 30, have a good amount of driving experience and no convictions.