PRO Member

Trailer insurance

I have been trying to get insurance quotes for price comparison purposes.

 

Currrently all of my insurances are under one umbrella with the NFU Mutual.

 

Most companies will quote for Public liability, tools in van, hired in equipment, business interuption, van etc.

 

BUT mention the trailer and all I get is " sorry Mr Hill we don't insure trailers".

 

Simply Business and Commercial Vehicle Direct being notable no goes.

 

Simple question - who do you insure your trailer with?

Tags: insurance, trailer

Views: 145

▶ Reply to This

Replies to This Discussion

Permalink Reply by Matt Brown on December 30, 2010 at 22:44
ahh thanks for that i take it thats the large sticker? my worry was it wouldn't look right but that looks good.

Pro DesignerPermalink Reply by John Cavill on December 31, 2010 at 13:42

I want trailer insurance too!! Mine is bolted, locked down, hitched and more but they still have a go at nicking it! had a scuffle in November when I caught two of them at 2am (I was still up designing) trying to lever the lock off!

 

Is the NFU the only one then??

Permalink Reply by Matt Brown on December 31, 2010 at 15:47
What are the terms of that? Is it still covered when parked up? Or does it need to be hitched up to be covered?



Dan said:
Just rang NFU this morning to cover my new van and they said my trailer (when i get one) is insured to £1000. Any higher value than £1000 worth of trailer and my premium will rise
Permalink Reply by Paul @ Ashgate Garden Care on December 31, 2010 at 16:17

I asked the NFU the same question.

 

I 'park' my trailer in a sea container when it is not in use and the man from the NFU said that my trailer is covered wherever it is (with or without my pick up).

Matt Brown said:

What are the terms of that? Is it still covered when parked up? Or does it need to be hitched up to be covered?



Dan said:
Just rang NFU this morning to cover my new van and they said my trailer (when i get one) is insured to £1000. Any higher value than £1000 worth of trailer and my premium will rise

PRO MemberPermalink Reply by Gardens4u.co.uk on December 31, 2010 at 16:47

NFU    states   ' due care'  !!    -  this may be objective so do as much as you can to hide/lock up.

 

they dont like paying out - believe me..

Paul @ Ashgate Garden Care said:

I asked the NFU the same question.

 

I 'park' my trailer in a sea container when it is not in use and the man from the NFU said that my trailer is covered wherever it is (with or without my pick up).

Matt Brown said:

What are the terms of that? Is it still covered when parked up? Or does it need to be hitched up to be covered?



Dan said:
Just rang NFU this morning to cover my new van and they said my trailer (when i get one) is insured to £1000. Any higher value than £1000 worth of trailer and my premium will rise

PRO MemberPermalink Reply by Rowly Hill on December 31, 2010 at 17:03

Quoting from my NFU LGV insurance document -

" If any trailer ( but not any livestock,horse, catering trailer, caravan, or item of plant) is lost, stolen or damaged and there is no other insurance covering the same loss or damage we will pay up to £1000 or its market value whichever is less".

 

So depends on the value (£'s) of your trailer. £1000+ you might want to consider extra insurance.

 

Robin mentioned "due care" in relation to security measures taken to prevent theft. I've taken photo's of mine clamped up , chained and hitchlocked.

 I'm not sure if there is anything else I can do to prove the measures I have taken..any ideas other than dragging the NFU rep out to look?

You won't be able to prove that the trailer was fully secured prior to it being stolen unless you take a dated photo every day.

Permalink Reply by John on December 31, 2010 at 17:54
What about these posts that can be concreted in, and lowered and then raised up and locked in place. I have never used them, but I would have thought worth considering and combining with other measures.

ROWLY HILL said:

Quoting from my NFU LGV insurance document -

" If any trailer ( but not any livestock,horse, catering trailer, caravan, or item of plant) is lost, stolen or damaged and there is no other insurance covering the same loss or damage we will pay up to £1000 or its market value whichever is less".

 

So depends on the value (£'s) of your trailer. £1000+ you might want to consider extra insurance.

 

Robin mentioned "due care" in relation to security measures taken to prevent theft. I've taken photo's of mine clamped up , chained and hitchlocked.

 I'm not sure if there is anything else I can do to prove the measures I have taken..any ideas other than dragging the NFU rep out to look?

You won't be able to prove that the trailer was fully secured prior to it being stolen unless you take a dated photo every day.

0iksc67k0s274Permalink Reply by 0iksc67k0s274 on January 4, 2011 at 14:51

Hi Rowland,

 

Thanks for getting a quote from us here at Simply Business - and it was good to go through some of the finer details of your quote.

As we discussed we can provide cover for a trailer that's being used in connection with your business. As you mentioned a landscape gardener using a trailer is quite standard and we are more than happy to offer cover.

 

If you have any queries please feel free to contact me via

Kind Regards

 

Tim Hamstead

Simply Business


PRO MemberPermalink Reply by Phil Voice on January 4, 2011 at 14:58

Hi Kerry

 

I've only just seen this....thanks for displaying the LJN vehicle sticker:-)))
Jackson's Landscape Design said:

Here we go Matt

 

▶ Reply to Discussion

RSS

What's hot this week? 

1 I'm going to be a dad again.

I'm going to be a dad again.
2 Why do we under-sell ourselves?

Why do we under-sell ourselves?
3 What is the 'low price' point for domestic equipment?

What is the 'low price' point for domestic equipment?
4 Theft Warning of tools, plant & equipment....

Theft Warning of tools, plant & equipment....
5 Raise the horticulture minimum wage for the sake of the industry and its practitioners

Raise the horticulture minimum wage for the sake of the industry and its practitioners

© 2013   Landscape Juice ® Limited - Registered in England 08356644

Badges  |  Report an Issue  |  Privacy Policy  |  Terms of Service