When Do You Need Lorry Insurance?

The fact that so many people attend rallies every year makes lorry insurance something to be considered before dashing off on a long trip. The idyllic days of summer in the UK brings with it the long awaited rally tradition. Beautiful cars and Lorries that have been restored to their original beauty are proudly exhibited and shown off by their enthusiastic owners.

The rallies that take place during that long summer are attended by thousands of people. If you are an owner of a classic motor car, you may wonder what insurance you need before heading off to join your friends. Anyone who drives a vehicle on the roads in Britain must have insurance. Finding the perfect insurance for your needs does not need to be a difficult task. There are many reputable insurance companies that insure almost any vehicle, including classical cars and Lorries.

Specific lorry insurance shares many similarities with HGV insurance. The obvious difference is in exact vehicle type. In the simplest of terms, a lorry is a single goods vehicle with a fixed axle, whereas an HGV will tend to consist of a cab plus trailer. Lorries used for commercial use carry the same risks as do their larger HGV cousins. Apart from the obvious accident and breakdown worries, lorry drivers must also consider tight delivery schedules, damage of goods and even theft.

Recently, there has been much media reporting of the scams designed to prey on drivers in the UK. Gangs of criminal raid the vehicles while exhausted drivers are asleep, leaving them with no goods to deliver. Thankfully, there are insurance policies that cover this, which is an extremely important consideration for anyone with a valuable load.

For the classic lorry owners, mileage is usually not an issue. Insurance policies for classics are surprisingly reasonable if you average less than 5,000 miles per year. It is surprising just how many types of unusual lorries are covered by policies easy to find online: even an old fire engine, a traction engine or harvester all fall under the category of ‘lorry’. Having a good look round for policies catering for your exacting needs will save you £100′s, with the internet as the first place to begin your search.

Ultimately, whether you’re insuring a working van for commercial purposes or a wonderfully restored classic, the policy you choose will contain similar elements. In both of these cases, a policy containing theft and damage of goods as well of vehicle is essential. It is also advisable to insure against breakdown, especially if you’re heading off to your favourite classics rally in your fully restored 1960′s fire engine.

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