Easy-to-arrange motor insurance for skip operators.
Skip lorry insurance specialists will help you choose the covers you need
Our skip lorry insurance specialists work with businesses on a face-to-face basis to choose the cover you need
24/7 direct-to-insurer motor claims helplines
You can pay for skip truck insurance by Direct Debit.
We understand the risks skip operators and waste and recycling businesses face. That coupled with our expertise in arranging skip lorry insurance enables us to make sure the cover we offer provides the protection you need, and there is no ‘small print’ taking away essential protection.
Almost all our clients choose us not just for our motor insurance expertise, but for our ability to cater for all their business insurance needs including liability and property insurance, as well as other essential covers.
Towergate are here to help you, not just when you first arrange cover with us, but every step of the way. When you buy or sell a lorry, need to add a new driver to your policy, or need help with any other insurance issue, we’re just a phone call away.
The skip lorry waste and recycling insurance policies we offer are designed to provide you with help when you need it most, thanks to 24/7 direct-to-insurer motor claims helplines, access to our free Towergate ‘FirstCall’ motor claims notification app, and all the support you need from our own in-house team of skip operator claims specialists.
The specialist motor insurance policies we offer are designed to provide you with help when you need it most:
When choosing a skip lorry and waste and recycling insurance policy, it’s important not to just buy on price, albeit price is always an important consideration. Look closely at other things too like:
Exactly how much each operator must pay varies from insurer to insurer and depends on a variety of factors. These may include:
A skip lorry operator running up to five vehicles will usually see their lorries rated individually. Above that number of vehicles, policies tend to be fleet-rated with the premium dependent on past claims experience across your fleet.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme.
When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
‘Comprehensive’ skip lorry and waste and recycling insurance policies do much more than simply provide you with protection again loss or damage to your vehicles. They provide unlimited cover for third-party injury or death and cover for damage to third-party property. If your vehicles are articulated, cover is available for trailers as well as tractor units.
If you have an employee, or employees, even if only occasionally, or temporarily, then you are legally required to have employers’ liability insurance unless an exemption applies, such as family businesses where every employee is a close family member, providing they are not incorporated as a limited company.
We can offer employers’ liability cover alongside your skip lorry insurance policy and the other essential non-motor business insurance covers.
Yes. At Towergate, we know starting up a business can be expensive and insurance cover adds to the cost.
We’ll work with you depending on your circumstances to find the very best discounts we can for you, such as introductory discounts and no-claims discounts for companies using drivers with a claim-free driving history. Discounts can be applied subject to the insurer's underwriting criteria and individual circumstances.
Care needs to be taken when taking out truck insurance to make sure the cover you are buying is what you need and that there are no exclusions that are detrimental to the cover you need.
In addition to exclusions such as war risks, damage or contamination caused by radioactive materials, and terrorism, exclusions under a truck insurance policy typically include:
We have provided a summary of the significant key exclusions, but please note that full terms, conditions, and exclusions can be found in the policy wording, a copy of which is available through the quotation process.
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