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Pickup Truck Insurance

Specialist insurance for pickups carrying limited cargo

If you’re operating a vehicle with a cab at the front and space for cargo at the back, you’ll want to make sure it’s suitably insured to protect the vehicle itself, the contents you carry and yourself in the driving seat.

Arkwright has the specialist knowledge to help you to find a pickup truck insurance policy that best meets your needs.

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About pickup truck insurance

  • What makes pickup truck insurance different from van insurance?

    The widespread use of multi-purpose vehicles on the road means it can be quite difficult to tell exactly what type of distinct insurance you need. Getting the wrong type could result in you having an insufficient level of cover or even invalid insurance that might not pay out if you need to make a claim.

    One of the easiest ways to identify your vehicle type is to check the log book, as this will outline the vehicle’s classification. Pickups will generally be made up of a single body with an open space for cargo behind the cab, whereas a standard van will often have the cargo area enclosed on all sides. If the cab is a standalone component with room at the rear to attach a trailer, it’s more likely this will be classed as a HGV instead.

    Pickups are used for all sorts of reasons, including deliveries, removals, and transporting tools or equipment for a large job. Similarly with other types of van insurance, they may be used for personal purposes like leisure and social activities. How you intend to use your pickup will have an effect on your overall premiums.

  • Private or commercial use

    Just like car or van insurance, different people may use their vehicles for business or casual reasons. It’s important to declare whether the expected usage of your pickup truck will be private or commercial, as this will influence your annual premium cost and what you may be covered for.

    A private pickup insurance policy generally covers you for non-business related purposes. Personal activities like hobbies and holidays will be covered under a private policy, however it may not necessarily cover daily commuting in the same way that a “social, domestic, pleasure and commuting” car insurance policy would.

    If you use your pickup for work – even just commuting to a single place of work each day – then a commercial insurance policy will be more appropriate. Many tradesmen and contractors using a pickup truck to carry tools and equipment will benefit from this type of policy, as will those making small deliveries. Whether its primary focus is carriage of own goods or other people’s goods, a pickup can be suitably covered with this kind of insurance.

  • The right level of insurance for you

    All vehicles are legally required to have at least a minimum level of insurance to cover any third party claims made against you or your pickup truck. With this, you won’t be able to claim for a pay-out towards any losses or damages to your vehicle or its contents.

    Third party fire and theft insurance is the next level up, which can provide cover for claims made by others if they are injured or their vehicle is damaged after you’re involved in an incident. On top of that, you’ll also be able to make a claim if your vehicle is stolen or damaged fire damaged, either accidentally or as the result of vandalism.

    At the top end of the scale, comprehensive cover allows you to operate comfortably in the knowledge that any damage to your vehicle will be covered by your provider, whether or not you’re the one at fault.

    Alongside any of these cover types, you may also want to combine your pickup insurance with extras like business insurance, contents cover and even modified van insurance if your truck has any modifications that are not factory standard.

  • Choosing Arkwright for your specialist insurance

    If you’re looking for a pickup truck insurance quote and don’t know where to begin, Arkwright Insurance Brokers is here to support you. By consulting with a wide and varied panel of specialist insurance providers, we find tailored policies that suit your needs and compare premiums to offer you the best possible quote.

    Call us today on 01204 392 525 or get in touch online by clicking the “Get a quote” button and filling our quick contact form. You and one of our expert team can discuss the ins and outs of your pickup insurance needs and point you in the right direction of your ideal quote.

Specialist Insurance

For many companies, large transport vehicles are an essential element of day to day business activities. The insurance needs of a large articulated truck or HGV is very different to the needs covered by an ordinary motor vehicle insurance policy. As well as the specialist nature of the vehicle and the rota of different drivers that may be required to ensure all deliveries are made, the nature of the cargo can significantly affect premiums. Refrigerated cargo, for example, requires different consideration than toxic, hazardous or perishable goods. Arkwright’s truck insurance products are flexible, to cover the road risk, third party, contents or lost earnings requirements of aspects of an HGV insurance policy. Arkwright provides cheap Truck Insurance for Bolton, Birmingham, Buckingham, Chorley, London, Manchester, Preston, and Wigan.

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Anyone taking a truck to public road traffic must be obliged to provide proof of liability insurance. There is no difference between cars and trucks. However, the operation of a truck means partly different, sometimes higher, potential hazards than is the case with a passenger car. Lots of people choose to purchase supplementary truck insurance or even in the case of an organisation, trucking liability insurance plan. Read on to find more info about truck insurance types. As with passenger cars, there are three types of insurance for trucks:

  • Truck liability insurance
  • Truck CDW
  • Truck full insurance

This is as well reflected in the fact that a truck is insured and the performance of truck insurance is assessed. In car insurance, cars are the same and differ only when it comes to the type class. For trucks, it is more complex. Not every insurer who insures cars also insures trucks. It is precisely the insurance protection for trucks that is important for the purpose of use. The risk is differentiated and measured according to the intended use.

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Already the designation of the vehicle as a truck, namely truck, clarifies to the car (passenger car) that there are differences. Trucks transport loads, passenger cars transport people. Trucks are usually considerably more expensive than a car in the acquisition. Liability damage and cascade damage often lead to a correspondingly higher compensation than is the case with an average car. The goods transported by trucks have partly high values (e.g., electronic equipment) or carry a particularly high risk of danger (transport of acids, environmentally hazardous substances). Truck accidents often have much more damaging effects than those of passenger cars (truck, for example, pushes several vehicles into one another in the event of a rear-end collision on the motorway). Larger trucks have a higher weight (tractor trailer up to 42 tonnes) than a car (ci. 1.5 tonnes on average). Trucks are also more efficient than passenger cars (lorries only benefit the freight forwarder when they are rolling, whereas the passenger car is primarily used for private stuff and has a life service). It is like things that these differences in the vehicle type and the kind of use also affect the motor vehicle insurance for trucks.

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Many insurers offer the truck insurance up to 3.5 tonnes total volume. Although this truck insurance is usually easily lockable for privately used vehicles, the insurance cover for commercial vehicles is often rejected. Usually, a privately used truck is a van which an entrepreneur uses for his own purposes to transport his equipment (fruit grower purchases fruit in the wholesale trade and carries it to his sales shop).

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If the service application specifies the type of work in the insurance application, it is not permissible to carry goods traffic with the truck. Conversely, the same applies. Conscious or unconscious misconceptions may result in the liability for the insurer’s recourse and the hull for the loss of the insurance cover. Commercial road haulage is defined as the commercial and chargeable transport of goods and goods for third parties by road (parcels, courier services), including trailers weighing more than 3.5 tonnes. This form of freight transport requires a bag license. Even small trucks weighing up to 3.5 tonnes are at least insurable for commercial freight transport when they are used for transports on behalf of third parties. Work, on the other hand, is only possible if a company transports for its own purposes goods belonging to it which are sold, purchased, manufactured, repaired or repaired by the company, the vehicle used for the transport is driven by its own personnel, and the goods are transported only one but not the actual purpose of the company.

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To be able to calculate the costs for a truck insurance, insurers ask for certain data. They are a determining factor in calculating the liability insurance. The prospective buyer for insurance for trucks should ensure that as many of the relevant aspects of truck insurance as possible are included in price comparison. Any added aspect may affect the bonuses. The following factors influence the truck insurance:

  • Total weight in tonnes,
  • Payload of the truck,
  • Vehicle performance PS / KW,
  • Construction year,
  • Use for private purposes,
  • Public transport or long-distance transport,
  • Traffic,
  • Commercial road haulage,
  • Transport of dangerous goods or only general cargo,
  • Business
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Another important aspect of the calculation of the insurance premiums in insurance for trucks is the classification of the truck into a type class and regional class. The type of the truck (see risk code) determines its type class. The regional class is determined by the place where the truck is registered. The basis for classification into one of the different types and regional classes is the balance sheet of the respective insurer of previous years.

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The owner of a truck is additionally legally obliged to take out liability insurance for vehicles in commercial freight traffic of more than 3.5 tonnes total weight. Also, there is an urgent need for a transport insurance and a liability insurance. Legal protection or accident insurance may also be appropriate if trucks are constantly exposed to traffic risks due to their intensive use. In the case of trucks up to 3.5 tonnes, the loss-in-use insurance reimburses compensation for the loss of use of the vehicle until the vehicle is repaired or replaced (maximum 14 days and even in the case of self-inflicted accidents). Anyone transporting environmentally hazardous goods should take out an environmental damage insurance policy. It covers damage to the environment beyond the protection of liability insurance, which must be regulated in accordance with the Environmental Protection Act. Arkwright Insurance Brokers delivers all of the traditional insurance coverage, services, and products while employing the best and newest technologies and also resources available to offer our customers the kind of info and services they should have on any truck insurance.

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