About Haulage Insurance
When you are in the industry of transporting goods, protecting your cargo and assets is necessary. At Haden Welbeck, we provide comprehensive Haulage Insurance that offers coverage tailored to the specific risks faced by hauliers. Whether your business transports goods locally or across borders, haulage insurance ensures that your vehicles, cargo, and drivers are safeguarded against damage, accidents and theft. With the right type of haulage insurance, you can operate with confidence, knowing that your company is protected from potential financial losses.
Haulage insurance is a type of commercial truck insurance that is designed specifically for businesses involved in the transportation of goods. It provides protection for vehicles used to carry the goods, as well as the goods themselves, against risks like accidents, theft, or damage. This insurance is advisable for companies that move goods for others, helping them to cover the costs if anything were to go wrong during transportation.
Why Choose Haden Welbeck For Your Haulage Insurance?
At Haden Welbeck, we understand the unique challenges faced by hauliers and offer tailored insurance solutions to meet your business’s specific needs. With over 20 years in the insurance industry, we provide comprehensive coverage that makes sure that your vehicles, cargo, and drivers are protected. Our team of professionals work closely with you to customise policies that fit your business, providing expert advice and competitive rates. We also pride ourselves on exceptional customer service, providing prompt claims handling and support wherever you need it. You can trust us to keep your haulage business secure, so you can focus on what you do best. To schedule a consultation, get in contact with a member of our team on 01580766770, or get a free, no-obligation quote on our website today.
Haulage Insurance Policy Benefits
Choosing the right haulage insurance is important for protecting your business from unexpected risks. Here are some of the key benefits you can expect from our haulage insurance policy:
Comprehensive Coverage
This protects your vehicles, cargo, and liabilities when an unexpected incident occurs, including accidents, theft, and damage while in transit, making sure your business operations remain uninterrupted.
Tailored Policies
Customisable insurance solutions are designed to meet the exact needs of your haulage business, giving you the exact level of coverage required for your business.
Legal Liability Protection
This protects you from third parties for property or injury damage caused during the time and place of transporting, helping you to manage legal costs.
Do I Need Haulage Insurance?
If your business involves transporting goods for hire or reward, haulage insurance is a necessity. Without haulage insurance, your business could potentially face large amounts of financial losses from incidents that can occur while vehicles are on the road or while goods are in transit. Therefore, having this insurance more often than not fulfils legal requirements and contractual obligations, making sure that you are compliant with industry standards. In essence, fleet vehicle insurance provides the security and reassurance needed to run your business effectively.
Haulage Insurance ensures that you are not alone when facing scary legal complications, giving you the help you need to navigate through the situation stress-free and smooth sailing. With our comprehensive haulage insurance, you will have access to expert legal advice and support, helping you to manage claims or disputes that may arise from your haulage operations.
What Does Haulage Insurance Cover?
Haulage insurance provides a broad range of coverage to protect your business from various risks associated with transporting goods. Here is what it typically includes:
Vehicle Coverage
This protects against damage to your trucks or vans caused by accidents, theft, fire, or vandalism. This helps to ensure you are financially protected if your vehicles are damaged or stolen.
Legal Liability
This helps to provide protection against claims for injury or property damage caused by your vehicles or operations.
Goods In Transit
It helps to cover all goods you are transporting in the case that it is lost, or stolen while in transit. This coverage is essential for compensating your clients while maintaining a good business reputation.
Driver Protection
In the event of an accident, this coverage helps to ensure your team is taken care of if they are injured while working, including medical and personal injury expenses.
Breakdown Assistance
This includes roadside assistance and breakdown cover, helping you manage unexpected vehicle failures and getting back on the road quickly.
How Much Does Haulage Insurance Cost?
The cost of haulage insurance can vary widely based on several main factors. Generally, the cost is influenced by the type and extent of the coverage that you select, the size and type of your vehicle fleet, and the value of the goods you are transporting. For an accurate quote for your vehicle insurance, get a free, no-obligation quote today.
FAQ Section
Haulage insurance is a type of commercial vehicle insurance designed specifically for businesses and individuals involved in transporting goods for hire or reward. It provides protection against risks like accidents, theft, or damage to the vehicle.
Haulage insurance protects businesses involved in transporting goods for hire and reward. It typically includes vehicle insurance, such as comprehensive cover for accidental damage, theft, fire, and vandalism, or third-party-only (TPO) coverage for damages caused to others.
Yes, you need haulage insurance even if you have a standard commercial vehicle policy – you will usually need to cancel the own goods policy and replace with a haulage policy which can, if required, include both haulage an own goods. A standard commercial vehicle (own goods) policy typically covers general business use but may not include the specific risks associated with transporting goods for hire or reward. Haulage insurance is tailored to cover the unique liabilities and risks involved in professional haulage, such as damage to goods in transit or public liability. Without the right coverage, you could face legal and financial risks if an incident occurs while transporting goods.
A haulage insurance policy can cover a variety of vehicles used for transporting goods over long distances. These include heavy goods vehicles (HGVs) such as articulated lorries and rigid trucks, light goods vehicles (LGVs) like small vans, and other commercial vehicles such as flatbed trucks, tippers, and refrigerated vehicles. Policies can also extend to specialised vehicles tailored for specific industries or goods. For businesses operating multiple vehicles, fleet haulage insurance can cover several vehicles under one policy.
The simple answer is yes, you need a goods vehicle operator’s license to drive a 7.5-ton lorry if you’re using it for a trade or business, or to transport goods for hire or reward:
- Gross plated weight: If the vehicle’s gross plated weight is over 3.5 tonnes
- Unladen weight: If the vehicle’s unladen weight is over 1,525 kg, and there is no plated weight
- International journeys: If you’re carrying goods for hire or reward in a vehicle or combination of vehicles with a maximum laden weight over 2.5 tonnes
You can apply for an operator’s license on the GOV.UK website. You’ll need to:
- Have an operating centre in each traffic area where you operate
- Show that your operating centre is large enough, has safe access, and is in an environmentally acceptable location
- Apply for the license nine weeks before you start working
- Pay the application fee
- Advertise your application in a local newspaper in the traffic area where you operate
If you don’t have a valid operator’s license, your vehicle could be impounded and scrapped after 21 days. You can appeal if you can prove that:
- The vehicle was seized wrongly
- The vehicle was exempt from operator licensing when it was impounded
- The vehicle was being used illegally without the owner’s knowledge
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