Cover is available for a wide range of services:
Risk management services - forward facing accident recording cameras, driver training, health and safety, and fleet management consultancy
Commercial vehicle insurance - comprehensive, third party fire and theft, or third party only options
Goods in transit insurance - all risks, RHA or CMR conditions of carriage options
Public liability with a standard limit of indemnity of £5 million and the option to increase to £10 million
Employers' liability with a £10 million limit of indemnity
Legal expenses - up to £100,000 cover for legal costs incurred following a motor related incident with a negligent third party and up to £10,000 for legal costs incurred for motoring convictions
Engineering - for unforeseen damage including breakdown for commercial vehicle mounted cranes, grabs, etc. and statutory inspection
Income protection in the event of personal accident, sickness or loss of licence
Breakdown recovery in the UK and Europe for vehicles up to 15 years old
Property - for everything from your office buildings, stock and tools
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
Motor - claims for liability that you have assumed in contract unless you would have incurred the same liability without entering into the contract
Motor - theft if keys left in or on the vehicle
Goods in transit - theft of property from unattended vehicles unless the vehicle is in a locked building or compound controlled by security personnel
Income protection - Cover is subject to a declaration of health and may be offered excluding any illness or injury that existed on the date of entry into the scheme or at each renewal
Income protection - loss of licence must occur within 2 years of sickness or injury for the benefit to become payable
These are just some of the key exclusions/limitations, full details will be found in policy wordings.
A fleet insurance policy is often made up of various sections of cover, specifically designed for the needs of a business which uses a number of trucks, vans and cars. Fleet insurance policies are generally categorised depending on the amount of trucks or HGVs that need to be added to the motor section of the policy. The fleet insurance policies offered by Towergate are for companies or individuals running more than five trucks of 7.5T or over.
The fleet insurance policies available from Towergate are multi-section, enabling the customer to choose which sections they require. A wide selection of insurance covers are available, all designed to meet the needs of a commercial fleet operator. These include:
motor fleet insurance
goods in transit
employers and public liability insurance
directors and officers insurance
Towergate is committed to delivering a market leading service to our fleet customers. If you request a quotation from us for your fleet of commercial vehicles, we will arrange for one of our account executives to visit your premises to collect the details necessary for us to deliver a quotation. All our account executives are highly qualified in commercial insurance and have many years experience in the HGV insurance market. In order to further understand the pressures and responsibilities involved in operating a modern transportation business, many of our account executives have successfully undertaken Health and Safety and Transport Manager's CPC qualifications.
Before we visit you for the first time you will be sent a profile of your account executive, detailing their qualifications and experience in the commercial vehicle insurance sector. This will include a photograph so you know who to expect.
When it comes to insurance, everyone wants the same thing - the best possible cover at the best possible price. At Towergate, we are committed to delivering a competitive fleet insurance product that doesn't scrimp on cover.
The calculation that sits behind a commercial motor fleet insurance premium is based almost entirely on the claims history of the fleet. The average cost of historic claims per vehicle is calculated and then used to predict the insurer's outlay in the coming policy year. The cost of claims is therefore the most significant factor in calculating your new premium.
We use proven risk management techniques to reduce the cost of your claims and therefore stabilise or reduce your insurance premiums. These risk management programmes range from driver training or profiling to health and safety consultancy or forward facing accident cameras and on board telematics systems. More often than not our insurer partners are willing to fund some or all of the cost of these risk management programmes.
Once we have set up your policy your account executive will introduce you to your account manager and your claims liaison manager as well as initiating your risk management programme (where applicable).
Meetings will be arranged with your claims liaison manager who will review the effectiveness of the risk management programme and the progress of specific claims with your insurance company.
Detailed management information will be provided by your claims liaison manager which will include a full analysis of driver and accident causes. These reports will provide you with the information necessary to make the business and risk management decisions which will lead to the best reduction in claims costs.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
At Towergate we believe in being proactive when it comes to your claims management, getting your insurer involved as soon as possible to reduce the time it takes until settlement, ensuring you are back on the road as quickly as possible and keeping claims costs down. In fact, the first two days following an incident are critical in the handling of your claim.
It is important to report all incidents to your insurer, including cases where there is little or no damage to your vehicle. This will help your insurance company to defend you against claims made by a third party. While all incidents should be reported directly to your insurer, our in house team are always on hand should you need additional support or if you have concerns about the claims process.
To report an incident at any time, day or night, please call your insurer directly using the telephone number shown on your claims card. Your claims card should be kept in your vehicle at all times so you are able to report incidents as quickly as possible.
Your insurer will correspond with you directly with the progress of your claim and they will keep us updated at all times.