Like any motor vehicle that can cause damage and accidents, trucks can be covered by insurance. Truck insurance generally concerns vehicles that exceed the weight of 3.5 T and require a specific permit to be driven.
Becoming the owner of a truck is synonymous with good investment. The maintenance of these machines is as expensive as the income obtained in operation is high. To better protect these vehicles, new or used, many insurance companies offer truck insurance so if there will be an accident you will have no problem on accident insurance claim. This contract usually contains a very detailed description of the truck concerned, with a precise list of related structures, such as trailers.
The age of the vehicle or the mileage recorded on the dashboard are also mentioned at the time of the actual technical inspection of the vehicle. The model, type and all the technical information that can prove that the truck is in good condition are noted for having truck insurance.
The owner also provides a document justifying the use intended for the heavy truck, its usual journey and all the information concerning the activities that directly or indirectly affect its use. The amount of the truck insurance will be based on all this data, together with the driver information sheet.
Since age and experience play a very important role in the risk of road accidents, the insurance company is generally very picky about this information. The more experienced the driver, the lower the amount of insurance. Novice or newly licensed drivers are handicapped by a higher risk of hanging on long journeys.
Permanent and temporary insurance
Truck insurance can take different forms depending on the use that is given to the vehicle. Trucks used as a means of transporting goods must be permanently insured.
Heavy goods vehicles traveling on long journeys or carrying dangerous goods are the most concerned. In this case, the experience and the age of the driver are very important for the Insurance Claim Specialists.
Safety standards must be respected. These criteria concern here the laws of transport, with the hours of rest granted according to the number of driving hours carried out for example. The overload and the strict follow-up of the safety instructions are incessantly mentioned in the insurance contract. It is clear that any non-compliance followed by an accident will result in litigation with insurers.
Insurance on a provisional basis is used for heavy goods vehicles in transit over a given territory. The majority of new foreign owners of trucks to leave a territory must take a temporary truck insurance in order to comply with customs formalities. This measure gives the advantage of protecting the property in the event of accidents that may occur during the journey, even for a short distance.
