Please note that this is a policy summary. It does not contain the full terms and conditions of the contract of insurance. These can be found in the policy document, a copy of which can be supplied on request.
About TruckQuote:
TruckQuote is a unique scheme for the independent haulier covering all of their insurance needs in one policy. It is designed for those businesses with no more than five trucks over 7.5 T.
Key Features include:
A single portfolio of documents that includes Motor, Goods in Transit, Employers and Public liability, Personal Accident and Loss of Licence, Engineering and Legal Expenses.
You must take motor but you do not need to take any other section.
The insurers on the portfolio include Norwich Union, Equity Red Star, Royal & SunAlliance, and RAC Insurance Ltd.
Because the scheme is designed to reduce the insurer’s administration the reduction in their costs is passed back into the scheme by way of reduced rates.
Premiums can be payable in up to 10 instalments at a low rate of interest.
Risk Management advice and driver training can be provided as part of the package at no additional cost.
Duration of Portfolio:
The portfolio of insurance is valid for 12 months from the date of commencement. If a new section is added mid-year it will remain in force until the anniversary of the original Portfolio commencement date.
Policy Cover:
Motor - Section MV1:
Choice of Comprehensive, including windscreen; Third Party, Fire and Theft, Third Party only or Laid Up Fire and Theft. Different vehicles can have different cover.
Minimum accidental damage excess £350.00 (increased for young or inexperienced drivers.)
Cover for other drivers available (subject to a completed driver declaration).
Includes cover for attached or accidentally detached trailers.
Cover included for minimum European Union requirements automatically whilst vehicle is overseas. Full cover whilst abroad is available for a small additional premium
Damage to other peoples property is covered to a maximum of £5,000,000
If you are a contracted or franchised haulier working for Carillion plc, Tarmac Ltd., Hanson plc or Aggregate Industries plc, full airside liability cover is provided to a limit of £5,000,000, otherwise no cover is provided unless required by law under the Road Traffic Acts.
Cover for High Category Hazardous Goods or Hazardous locations limited to £250,000 unless a contracted or franchised haulier working for Carillion, Tarmac, Hanson or Aggregate Industries where the cover is £5,000,000
Goods in Transit - Section GT1:
Choice of either All Risks (at a limit of indemnity of your choice) or RHA with CMR included.
Policy excess of your choice
Cover includes personal effects in the cab to a maximum of £250.00
Includes breaking in, breaking out, or removal of solidifying concrete or mortar including consequential damage to mixer-drum following breakdown, overturning or accident to the conveying vehicle.
Includes removal or disposal of goods (coated stone, salt, tarmac, low-value agricultural products and similar) due to deterioration following breakdown, overturning or accident to the conveying vehicle
Includes damage to containers that you do not own or lease.
You must take up two references for new drivers otherwise claims for theft of the load may not be covered.
Employer’s Liability - Section CL1 Part 1:
Standard Policy Limit £10,000,000
Includes unsatisfied court judgements and compensation for court attendance
Separate Legal Defence section automatically included to cover Health and Safety defence costs.
Public Liability - Section CL1 Part 2:
Policy limit of your choice (minimum £1,000,000)
Policy is subject to a property damage excess of £Nil
Includes cover for use of plant as a tool of trade
Cover is provided for liability for damage to premises leased or rented to you in circumstances where liability would attach in the absence of an agreement
Covers liability for defective products supplied by you
Includes contingent motor liability
Includes compensation for court attendance
Includes cover for breach of the Data Protection Act 1998
Separate Legal Defence section automatically included to cover Health and Safety and Consumer Protection Act defence costs.
Cover excludes loss or damage caused by concrete or concrete products supplied
Skips are subject to an endorsement requiring precautions to be taken when left on the side of a road, excluding liability for toxic materials and requiring other materials to be tipped at licenced facilities.
Engineering - Section EN1:
For lorry mounted cranes and grabs and Moffet Mounty type fork-lift installations.
Annual inspection to comply with statutory requirements
Cover also for breakdown which necessitates immediate repair or replacement before crane, grab or fork-truck can re-commence normal working up to a sum of £150,000
Policy excess £100
Income Protection - Section IP1:
24 hour cover to protect against loss of income with a range of selectable benefits and section limits
Cover can either be personal accident only, personal accident and sickness and including loss of licence
Cover is subject to a declaration of health and may be offered excluding any illness or injury that existed on the date of entry into the scheme or at each renewal.
Loss of licence must occur within 2 years of sickness or injury for the benefit to become payable.
Legal Expenses - Section LE1:
Cover for legal costs of up to £50,000 for Road Traffic accidents where you or an authorised driver are not at fault and you wish to pursue a claim for damages. Cover is also provided for up to £5,000 to defend against motoring prosecutions
There is no limit on the number of claims within the period of insurance
Cover excludes the following:
Claims where RAC think there is no reasonable chance of success
Prosecutions for drink or drugs related offences
Prosecutions for parking offences
Claims due to vehicle defect
Representation on a “guilty” plea is at RAC’s discretion.
How to Claim
To make a claim, please phone our claims helpline on 0870 410 0956. Please have your policy number to hand when calling.
Cancellation rights
If you are an individual or sole trader (including a partnership in England and Wales) buying a policy which provides cover for you in both a private and business capacity, you have the right to cancel your policy during a period of 14 days either from the day of purchase of the contract or the day on which you receive your Portfolio booklet, which ever is the later. Your notice of cancellation should be in writing. You should also return your certificate of motor insurance and your Employers liability certificate (if you have bought the Combined Liability Section) as soon as possible after cancellation.
If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.
Alternatively, if you wish to cancel and the insurance cover has already commenced then providing there have been no total loss claims under this policy, you will be entitled to a refund of the premium paid, subject to a deduction for the time for which you have been covered, calculated as a proportion of the time for which the insurance would have provided cover and for any cost incurred by us in issuing the policy.
To exercise your right to cancel your policy, please contact TruckQuote, at Towergate House, Euston Park, Euston Way, Telford TF3 4LY.
If you do not exercise your right to cancel your policy it will continue in force for the term of the policy and you will be required to pay the full premium as stated.
Alternatively, if you are not an individual/sole trader (including a partnership in England and Wales) there are no cancellation rights under this policy.
The Financial Services Compensation Scheme
The insurers who underwriter this Portfolio are members of the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the scheme if they are unable to their obligations. This depends on the type of business and the circumstances of the claim.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. For other classes of insurance, advising and arranging is covered for 100% of the first £2,000 of a claim and 90% of the remainder of the claim. There is no upper limit in either case.
Further information about compensation scheme arrangements is available from the FSCS.
Complaints:
If you have any cause for complaint you should write to the Manager TruckQuote, Towergate House, Euston Park, Euston Way, Telford TF3 4LY
If you remain unhappy you should write to the Chief Executive of the insurer shown on the statement of cover. TruckQuote will provide the address.
If you continue to remain dissatisfied you can refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
