Vehicle Transportation Insurance
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Why Compare Vehicle Transportation Insurance Quotes Via SimplyQuote?
If you’re looking for cheaper car transportation insurance quotes, you’ve landed on the right page.
SimplyQuote understands how time-consuming, overwhelming, and frustrating comparing multiple insurance quotes can be, especially when you have a to-do list as long as the Nile!
The online comparison tool simplifies everything for you, providing a concise list of suitable insurance providers best suited to your budget and business needs.
Forget the hassle of contacting multiple insurers (and waiting forever for them to return your call) and compare vehicle transportation insurance quotes the easy way.
Why Do You Need To Get A Quote?
To give you a vehicle transporter insurance quote, we’ll need the following information:
- Personal details: Name, surname, contact number, UK address.
- Business details: Company registration information, the nature of your business, how many employees you have.
- Vehicle details: The make, model, size, and types of vehicles you transport.
- Driver details: Full names, ages, UK driving licences, Driver Certificate of Competence (CPC).
- Claims history
Note: All lorry drivers (a.k.a category C drivers) must be at least 21 years old.
Why Do You Need Vehicle Transportation Insurance?
You need vehicle transporter insurance if you transport cars from one place to another. This applies to both full- and part-timers in the motor trade industry, whether you have one transport vehicle or a fleet of transportation trucks.
Transporting cars is not as easy as it sounds. There are many risks involved, from mishaps when unloading vehicles to collisions in inclement weather. That’s why it’s so important to have the right cover in place to safeguard you and your business from these unforeseen events.
UK law requires you to have road risk insurance and basic third-party only (TPO) cover, at the very least. This protection ensures other vehicles (and persons) are covered should an accident occur either at your business premises or on the road.
Note: Vehicle transporter insurance is also called:
- Car transporter insurance
- Car transport insurance
- Car jockey insurance
- Vehicle and car transporter insurance
Looking for Vehicle Transportation Insurance? Get a quote today!
Get QuotesWhat Risks Does Vehicle Transportation Insurance Cover?
A vehicle transporter insurance policy covers many road-related risks, from public liability to goods in transit cover and (almost) everything in between.
It’s worth mentioning that policies vary between insurance companies, so it’s best to check the fine print with your insurance brokers. The good news? You can tailor your insurance cover just how you like it, adding or removing policies that apply to your line of work.
What’s covered
- Road risk insurance allows you to operate vehicles that don’t belong to you or your business. This includes driving a car you are transporting on a public road, even if you are only moving it a short distance to park or onto a truck.
- Vehicle transportation liability insurance includes both public liability and employer liability cover. Public liability cover protects you against third-party claims if a member of the public is injured or their vehicle is damaged as a result of your business operations.
- Employer liability cover is required by UK law if you employ more than one person, even if they are part-time or casual workers. You could face a daily £2,500 fine without it. This policy offers protection against employee claims should they sue you for damages due to work-related illnesses or accidents. £5 million of cover is generally needed.
- Indemnity insurance is the total sum you are insured for, usually set by your insurance provider or broker. This reflects the maximum amount you will be rewarded when successfully making a claim. Many insurers have their own set of criteria for these limits but it’s generally set at around £10 million.
- Goods in transit insurance protects the cars you are transporting as well as any tools or equipment you use for your day-to-day operations. If you transport motorcycles, trucks, or coaches these will also be covered.
- Trailer cover is sometimes included as a standard to cover the use of personal or hired trailers. You will need to confirm these details with your chosen insurance provider.
- Business premises cover is similar to your standard buildings insurance policy, whereby the exterior building and permanent fixtures are covered from storm damage, burglary, and vandalism. This policy may transcend to workshops, garages, and storage units, but does not include the contents of your commercial property.
These policies are typically included in standard vehicle transporter insurance but may be add-ons with some insurers.
What’s not covered
- Normal wear and tear like tyres and brake pads.
- Deliberate damage caused to your own vehicles or those you are transporting.
- Costs incurred due to negligence like leaving the windows open and your vehicle being stolen.
- Uninsured drivers
- Uninsured goods in transit
What kind of vehicles does this insurance cover?
Generally, any vehicle being transported commercially will be covered with this type of insurance, whether you’re moving motorcycles, scooters, or cars.
What Levels Of Vehicle Transportation Insurance Can You Get?
There are three levels of road risk insurance to choose from:
- Third-party only (TPO) – covering third-party claims brought against you.
- Third-party fire and theft (TPFT) – covering third-party claims with the addition of covering you in the event your vehicles are damaged by fire or stolen.
- Fully comprehensive – an extended version of TPO and TPFT cover and will pay out if your vehicles need repairing after a collision (even if you were at fault).
What level of cover does your vehicle transport business need?
At minimum, the basic motor trade insurance policies you’ll need include:
- TPO road risk insurance
- Employer liability insurance (if applicable)
What Add-Ons Are Available For Vehicle Transportation Insurance?
You can choose several add-ons to your motor trade insurance policies, such as business interruption insurance, EU cover, and insurance for personal goods.
Let’s take a closer look:
- Business interruption insurance supports your business during periods of closure due to unforeseen events such as flooding, fire, or extensive burglary damage.
- Loading and unloading cover offers compensation for vehicles being moved.
- Trade plates insurance only insures vehicles with specified trade plates.
- EU cover (or overseas cover) is needed if your vehicle transportation collects or delivers vehicles outside of the UK.
- Car storage insurance protects the vehicles you store before, during and after transportation.
- Own goods cover will replace items owned and used by your transportation business, such as straps and ropes, if they are damaged, destroyed or stolen.
- Personal items insurance provides cover for the driver’s goods during transit. For example, if they are using their personal mobile or satnav and it’s damaged or stolen during work.
- Tools and equipment cover usually falls into the goods in transit category but some insurers may word it differently.
How Much Does Vehicle Transportation Insurance Cost?
You can get car transporter cover for as little as £3.17 per month. However, pricing is based on several factors such as the nature of your business, the value of the vehicles you transport and your claims history.
What impacts vehicle transport insurance prices?
- The nature of your transport business (part-time or full-time)
- Where in the UK you are based
- The age of your drivers
- The type of vehicles you transport
- The level of road risk cover chosen
- Any add-ons you have included
- Claims history
How Can You Get Cheaper Vehicle Transportation Rates?
You can lower your car transporter insurance premiums in the following ways:
- Hire experienced drivers with clean driving records and over the age of 21.
- Provide additional driving training to improve driver skills and confidence.
- Opt for annual payment as opposed to monthly instalments.
- Shop around and compare car transporter insurance quotes from various insurers.
- Only add policy extras you need – you won’t need EU cover if you only operate within the UK.
- Consider telematics technology to track your employees’ driving behaviour.
- Keep transport vehicles secure overnight in locked garages or private driveways.
- Service commercial vehicles regularly to minimise wear and tear.
- Agree on higher voluntary excess to lower your premiums.
How To Compare Transportation Insurance With SimplyQuote?
Comparing car transporter insurance quotes is quick and easy with SimplyQuote.
- Fill in the online form: Provide details about yourself and the vehicles you transport.
- Select optional extras: Choose which additional cover you want to include.
- Compare quotes: Quickly find a quote best suited to your budget.
- Save money: Get the best deal today.
Frequently Asked Questions
Car transporter insurance is a type of motor trade policy specifically designed for vehicle transportation businesses (i.e. transporting cars from A to B).
The short answer is: it depends. Drivers are legally required to have a category B car licence to operate trucks/vans of up to 3.5 tonnes. They will need an LGV-C1 category driving licence to operate vehicles weighing between 3.5 and 7.5 tonnes and an LGV HGV-C category driving licence for vehicles between 7.5 and 32 tonnes.
No, you do not have to transport the same make and model vehicles to be covered with car transporter insurance. Other vehicles include motorcycles, scooters, lorries and coaches.