What is recovery truck insurance image

What is recovery truck insurance?

Whilst recovery trucks are used to assist other vehicles that have broken down or been involved in accidents, the recovery trucks themselves need insurance too. For operators, our guide to good truck driving is essential.

The cost of a recovery truck insurance policy will depend on a few different factors such as the history of the driver and the level of coverage being sought. Often recovery trucks are owned by a company so they’ll be insured as a fleet. If you’re new to this industry, our guide on starting a motor trade business can help you get started. If you’re looking for quotes for recovery van insurance from 3.5 tonne plus then you can click on the green button at the top or bottom of this page.

Who Requires Insurance for Breakdown and Recovery Trucks?

Who Requires Insurance for Breakdown and Recovery Trucks?

Anyone who owns a recovery truck needs insurance. Whether it’s to pick up recovering vehicles and bring them back to your garage or to operate a comprehensive rescue and recovery service, having the right recovery vehicle insurance policy is essential. For specialist motor trade policy insurance, please visit our vehicle breakdown recovery agents motor trade insurance page.

If you operate from a yard, compound or garage you can also obtain coverage for your premises, which includes on-site vehicle storage, as well as protection for your tools and equipment. In some cases, a motor trade insurance policy may be necessary to provide the appropriate insurance cover, especially if your business involves vehicle repairs, sales, or servicing in addition to recovery operations. Recovery agent insurance can also offer specialised cover for those working specifically in the recovery service sector.

The panel of insurance providers typically provides cover for drivers aged 25-70, and our winter driving guide for traders provides essential seasonal safety tips.

What is the typical cost of insurance, for Recovery and Breakdown Truck Insurance inage

What is the typical cost of insurance, for Recovery and Breakdown Truck Insurance?

The price of recovery insurance for breakdown and recovery agents varies based on several elements, such as:

  • Types of vehicles that require insurance.
  • The total number of miles the vehicle will be driven.
  • The level of insurance coverage chosen for your vehicle(s), such as third party, third party fire and theft, or comprehensive.
  • The number of drivers included in the policy.
  • Each driver’s level of driving experience.
  • The location where your business is based.
  • The monetary value of any tools and equipment that you plan to insure.

Get Recovery and Breakdown Truck Insurance Quotes Today

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Types of Recovery Truck Cover

When taking out a Breakdown Truck Insurance policy, you need to think about what types of cover you want to have included. A basic level of cover will be less expensive but offers little protection so this is something you have to think about. However, certain types of insurance, such as third-party cover, are a legal requirement to operate your vehicle on UK roads. Below are some of the main recovery lorry insurance options available. Below are some of the main recovery lorry insurance options available.

Vehicle(s) Cover

Insure your fleet of recovery trucks or vans under one policy, with options including third party, third party fire and theft, or comprehensive cover, simplifying management and reducing costs.

Carriage of Vehicles

Covers the transport of recovered customer vehicles to destinations such as garages or customer residences, including coverage for third party vehicles that might be involved in the recovery process.

Public Liability Insurance

Protects against legal fees and claims from the public for alleged personal injury or property damage, including damage to customer vehicles. Additionally, some recovery truck policies include road risks insurance cover, which safeguards against incidents occurring on public roads during recovery operations.

Employers’ Liability Insurance

A mandatory cover if you have employees, safeguarding against the costs of defending claims of alleged injury made by your staff.

Business Premises Cover

Insures the rebuild cost of any buildings utilised for your recovery operations.

Loss of license

Being unable to work due to losing your operating license can put you under a lot of financial strain. Loss of license will compensate you in such a scenario.

Tools and Equipment

Provides insurance for specialist tools and equipment stored at your business premises, like a compound or yard, including contents cover for added protection.

Engineering Inspection

Offers on-site equipment inspections by qualified engineers, ensuring compliance with Health and Safety at Work legislation.

Money Cover

Insures money kept on the premises for business purposes.

Personal Possessions Insurance

Offers cover for money and personal items in transit, subject to limits.
Ian Beevis Insurance Expert

What the experts say…

"Having insurance for recovery trucks is essential, as it provides tailored protection against towing risks, safeguards valuable assets, and offers coverage for third-party liabilities. With this insurance, businesses can ensure their operations continue smoothly while staying compliant with regulations in the transport industry."

– Ian Beevis, Founder of Clean Green Compare

Related Insurance

The Benefits of Getting Cover Online

Save time –

Most people are very short on time these days. If you’re one of them then the last thing you want to do is call different insurance providers to try and get a quote at a reasonable rate. By getting quotes online you can save yourself a good amount of time and hassle.

Save money –

Getting quotes online also enables you to save money since you can clearly see which providers offer you the best deal.

Pick insurance options –

A big advantage of getting your recovery truck insurance from specialist providers is that you’re able to select exactly which insurance options you want included in your policy tailored to your needs.

Simple claims process –

There’s nothing worse then having to make a claim and finding that there are obstacles in the way. When you get insurance from one of the providers on the panel you can rest assured that the claims process is quick and easy.

Easy set up –

Another big advantage of getting your insurance online is that it’s very easy to set up. You can pay using any UK debit or credit card and once the policy is set up, you no longer have to think about it.

Ready to get covered?

Get Recovery and Breakdown Truck Insurance Quotes Today

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Saving Money on Your Recovery Truck Insurance

Paying for insurance is something that nobody particularly wants to do. However, since you need to have it to drive legally, you might as well try to get the price down as much as possible. Below are some excellent ways to save money on recovery truck insurance

1

No-Claims Bonus

Build up a no-claims bonus – less claims lead to more competitive insurance premiums, whether for your own vehicles or your fleet
2

Driver Experience

Employ experienced drivers and limit road time to keep premiums down and reduce accident risks
3

Telematics

Install telematics and dashcams to record accidents and incidents, reporting them directly to your insurer
4

Fleet Policy

Consider a fleet policy when insuring 3 or more vehicles – this allows coverage of different vehicle types under one policy, improving management and cost efficiency
5

Risk Management

Stay current with Risk Management to ensure business safety and reduce recovery operator insurance costs
6

Upfront Payment

Pay upfront when feasible to save money in the long run – be sure to negotiate strongly for the best price
7

Multiple Quotes

Get multiple quotes from different insurance providers to compare and find the best deal – never settle for the first provider contacted
8

Price Negotiation

Ring up your current provider and tell them you’re looking elsewhere to get better deals

Get Recovery Truck Insurance Quotes Now

Getting the best deal possible should be your priority when you’re looking for recovery truck insurance. If you click the green button below you can get access to tailored quotes from a panel of insurance specialists. You can select the level of cover you want and then see which insurance provider gives you the best deal.



Don’t have your registration number? No problem, click here.