Tipper Insurance

Franchise tipper truck operators carrying aggregates and concrete are the foundation stone of Towergate’s specialist motor business. Today we’re one of the leading HGV tipper truck and concrete mixer lorry insurance experts. That’s why you can trust us to find cover that’s right for you.

• Our franchise haulier team specialises in owner drivers and firms with up to five vehicles.
• Not a franchise haulier? No problem. We’ll help you too.
• If you run a fleet of tipper or mixer trucks, our team of fleet insurance specialists are experts in arranging insurance on a face-to-face basis.

Whether you’re an owner-driver or a fleet operator, our ‘buy right’ tipper truck insurance experts will help you choose the covers you need, so you can focus on what really matters to you – running your business.

Exactly how much each operator must pay varies from insurer to insurer and depends on a variety of factors. These may include:

• Whether any of your trucks are of exceptional value.
• Where your trucks are driven and whether they go abroad.
• The nature of your business activities and whether you ever visit hazardous sites or carry hazardous loads.
• The profile of your drivers in terms of age and experience, and accident and conviction history.
• Whether you have telematics devices or camera systems deployed actively to monitor and improve driving style and behaviour.

A tipper or concrete mixer truck operator running up to five vehicles will usually see their trucks rated individually. Above that number of vehicles, policies tend to be fleet-rated with the premium dependent on past claims experience across your truck fleet.

When choosing a tipper or concrete mixer truck 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:

• Making sure the insurer is financially sound and will be there to pay a claim should things go wrong.
• Making sure the cover provides the protection you need; that there is no ‘small print’; that takes away vital protection.
• Whether your broker has been recommended to you and is a truck insurance expert meaning you can rely on the advice they give.
• What sort of service you can expect from your broker and insurer should you need to make a claim.

‘Comprehensive’ tipper 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 tipper insurance policy and the other essential non-motor business insurance covers.

Find out more information about the Employers’ Liability
(Compulsory Insurance) Act 1969.

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 haulage 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 haulage insurance policy typically include:

• Claims arising out of contractual agreements, unless a claim would have been accepted in any case
• Claims whilst your vehicle is being:

• • Used for any purpose that the certificate of insurance does not allow, such as racing and speed testing.
  • Driven by someone not allowed to drive by the certificate of insurance, such as someone who does not have the permission of the policyholder.
  • Driven by you if you do not hold a licence to drive the vehicle or you are disqualified from having such a licence.
  • Driven with your permission by someone who you know does not hold a licence to drive the vehicle unless that person has held a licence and is not disqualified from getting one.

• Claims involving a vehicle being driven ‘airside’ (here at Towergate, we know how important ‘airside’ cover can be for some hauliers and can usually arrange that cover on request when it’s needed).

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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