Dump Truck Insurance
Competitive Cover Backed By ‘Exceptional’ Service
Want to save money on your dump truck insurance? Let the plant insurance specialists at Coversure Hull compare our markets to find you the cover that’s right for you. Whether you work in construction or landscaping, need temporary hired dump truck insurance or an annual policy, call us today on 0800 977 6037 and let our award-winning team help you.
Dump truck insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of plant insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037, start your dump truck insurance quote today.
What is dump truck insurance?
Dump truck insurance is a specialist form of plant insurance designed to meet the needs of businesses and individuals that hire, lease, or own dump trucks. It can provide cover for on-site use or on public roads if you include a road risks element to your policy. A flexible form of protection, dump truck insurance through Coversure Hull can cover for common risks, including:
- Loss or theft
- Accidental damage – including the cost of repairs
- Malicious damage
- Damage while its being transported – with cover available for both the UK and the EU
- Ongoing hire charges – if a hired-in piece of plant such as a dump truck is lost or stolen, you’re likely to be liable for ongoing hire charges. Hired-in plant insurance can cover these for a fixed period - often between 30 and 90 days - but we can adjust limits to suit your needs
- Legal fees - for defending legal proceedings incurred with the insurer's consent
- Road risks only – where the policy only applies when vehicles are being driven on public roads
- All-risks cover – protects it against damage by fire, flood, theft, malicious or accidental damage
- Public and employers’ liability insurance
- Off-site storage
- Goods in transit – insuring the materials you’re carrying from loss or damage
Which vehicles can be covered by dump truck insurance?
Dump truck insurance can be taken out to cover all major classes of trucks used in the UK, including:
- Rigid
- Articulated
- Tracked
- Mini dumper trucks
If you have a specific piece of kit that you need to insure, please contact the Coversure Hull team on 0800 977 6037 or click here, and we’ll be happy to help you find cover for it.
How long does a dump truck policy last for?
That’s down to you. If you own one, then you’ll probably want an annual policy. If, however, you’re hiring it in, be that for a day, a week or even longer, then you’ll want a temporary hired-in dump truck insurance quote. To find out more, call us free on 0800 977 6037.
How much does dump truck insurance cost?
The cost of your policy will depend on things like:
- The value of the kit you have/are hiring
- The length of time you’re hiring it for
- Whether it’s going to be used on roads and needs road risks cover
- If you want policy extensions such as public liability insurance added
- The type of work you are doing and where
- Where it will be stored overnight/at the weekends
- Your postcode
- Your claims history (if you have any)
If you’d like to know how dump truck insurance will cost you, please contact us on 0800 977 6037 and one of our experienced team will be happy to help you get the cover you need.
How to get cheaper dump truck insurance
There are several ways you can potentially reduce your dump truck insurance premiums, including:
- Don’t take the hire company’s hired-in plant insurance – if you’re hiring a dump truck or it may be the easy option to take the hire company’s cover, but it’s likely to be more expensive and won’t offer the best protection. These policies are often restrictive – most don’t include accidental damage insurance, for example – and almost certainly won’t come with any qualified, independent advice. This is because these policies are sold on a ‘non-advised’ basis, so what you see in the policy wording is what you get. No one will be on hand to explain the details to you. It’s safer and often most cost-effective to get some independent advice from a specialist hired-in plant insurance broker. If you’d like some help, please call us on 0800 977 6037 or contact us today
- Shop around – like any other insurance policy, it can pay to shop around. Ultimately, you want to use an independent insurance broker that’s specialises in plant insurance
- Use an independent insurance broker – getting the right insurance for any piece of plant equipment takes specialist knowledge. Hired-in plant insurance, for example, can involve covering multiple complex risks with policies containing exemptions and limits that may not be obvious. By getting some advice from an independent broker that specialises in plant insurance such as Coversure Hull, you can get the cover you need while they do the shopping around for you
- Register your equipment with the CESAR Scheme – if you own your dump truck it’s worth registering it with the CESAR scheme. The CESAR (Construction and Agriculture Equipment Security and Registration) Scheme was established in 2008 to help combat agricultural and construction plant equipment thefts. Over 625,000 machines are now registered and protected by the CESAR Scheme which makes it easy for the police to identify equipment and, if found to be stolen, to contact the registered owner. It’s also free for life and is recognised by major insurers and can help bring down your plant insurance quotes
- Store your equipment securely – according to CESAR over £1m of agricultural and plant equipment is stolen each week in the UK. While it won’t always be possible to store your equipment securely overnight or at weekends, do so whenever you can. If you must leave it on-site, make sure the site is as secure as possible by using portable or micro-CCTV cameras. Plant thefts are rising, so this is a problem that you need to address. If your hired plant is stolen, you’ll likely be left liable for ongoing hire fees
- Increase your excess – your excess is the amount you pay in the event of a claim. Some plant insurance policies come with a ‘variable’ excess which allows you to choose how much you pay when you make a claim. If you have a good claims record, raising your excess can be an easy way of getting cheaper dump truck insurance. Raising your excess can also reduce the chances of you making small claims as it may cost you more by the time you have paid the excess
- Get a plant fleet insurance policy – if you own two or more pieces of plant to insure – be they dump trucks, diggers, dumper trucks, steam rollers or forklift trucks – you can get plant fleet insurance
- Get an annual policy – if you own or are hiring plant in several times a year, it may work out cheaper to get an annual special types insurance policy rather than a series of short-term plant hire policies
Dump truck Insurance FAQ
Dumper truck insurance is a complex area of cover and it’s important to get it right. To help you get the protection that’s right for you, here are our dump truck insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of plant insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you. Alternatively, why not check out our plant insurance guide.
Q. Is dump truck insurance a legal requirement?
A. Yes, if you intend to drive it on the road, otherwise no
Q. What’s the difference between plant and hired-in plant insurance for dump trucks?
A. Plant insurance is the collective term for this type of cover and includes owned and hired-in plant insurance. The various plant insurance options are:
- Hired-in plant insurance – hired plant insurance covers equipment you rent rather than own. Hired-in plant insurance can last a day, a week, or even months depending on your needs and provides specific protection against financial risks arising from using hired plant. These include cover for the cost of repairs should it be accidentally damaged or covering hire fees should it be lost or stolen
- Owned plant insurance – or plant insurance as it’s more commonly known, protects plant equipment that you or your business owns. Cover is usually taken out annually, though we can arrange temporary cover if required. It is often taken out as part of a package of covers alongside other business-critical insurances such as public liability insurance
- Temporary plant insurance and annual plant insurance – temporary plant insurance is taken out by people who need hired-in plant insurance, be that for a mini-digger for a day, or an excavator for a week on a construction job. Annual plant insurance policies tend to be for those with owned plant, though if you’re hiring in plant regularly, it can work out cheaper to get an annual policy
- Road risks plant insurance – road risks plant insurance allows you to drive plant vehicles on the road so long as they have road tax
Q. How much does dump truck insurance cost?
A. That will depend on things like the value of your equipment, whether its owned or hired-in plant, your postcode and where you will be using it. If you’d like a personalised dump truck insurance quote, please call the team on 0800 977 6037
Q. How long can hired dump truck cover last for?
A. We can arrange cover for a day, a week, or a year depending on your needs
Q. Can dumper trucks be covered while being transported to and from a site?
A. Yes if you have equipment floater cover as part of your policy
Q. Are there any other policies I should consider?
A. Yes, the most common ones include public liability insurance – which protects you should someone by injured or their property damaged - and third-party working risks which
Q. Can it cover me to drive it on the road?
A. Yes, so long as you have a road risks element to the policy
Q. Is cover available for private individuals as well as businesses?
A. Yes, we can offer cover for people who are hiring-in plant as well as businesses that own their own kit
Q. Do I need a special driving licence to drive a dump truck on the road?
A. Most smaller dumper trucks only need a Category B car driving licence to be able to drive them legally. You will need a Construction Plant Competence Scheme (CPCS) licence to drive one professionally though. Larger dumper trucks weighing over 3,500kg require a Category C licence. These larger trucks are the most likely to be found on large scale construction sites.
Q. How can I get a dump truck insurance quote?
A. Getting a quote from us is easy. You can call us on 0800 977 6037 or get your dump truck insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get a dumper truck insurance quote
If you'd like some independent plant insurance help or a plant insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
