If you own or manage one or more recovery vehicles then you are in the right place when requesting breakdown vehicle insurance. Given the widely varying costs between recovery van and lorry insurers it's always worth shopping around - whether you have just one vehicle or manage a fleet of trucks (visit our Motor Fleet Insurance page for fleet recovery vehicle insurance).
Firstly make sure your insurer knows exactly your requirements - if you only use the tow truck or recovery vehicle locally make sure your insurer knows that. If you have a team of recovery drivers who are all over 25, again inform your insurer. If you have a regular team, consider naming drivers rather than going for an 'any driver' policy.
If your fleet is branded with your logo or has a tracker fitted, these are factors which may result in lower premiums. It's a great idea to ask every insurer you talk to the direct question of what you can do to save money on your insurance.
The panel of specialist insurer partners can help with new businesses or established recovery operators but, if you have been running your business a while, do ensure that, if you have a good claims experience, that this is taken into consideration by your insurer. Do also ensure that your policy offers compensation for loss of use of recovery vehicles and adequate cover for your liability for commercial loads of customers vehicles.
Different brokers and insurers will have their own factors that they take into consideration when accessing the premium payable for a particular policy so gather as much inside knowledge as possible!
This service is operated on our behalf by Seopa Limited.
This content was last reviewed on 30/07/2018