Vehicles, trailers, drivers, use, territorial limits and damage or liability arising from road operation.
Commercial fleet insurance
Haulage Fleet Insurance
Vehicle weight, operating radius, goods carried, driver management and contractual responsibilities can all influence the insurance structure for a haulage business.
General pre-launch information only. No quotation or regulated recommendation is being provided.
More than a vehicle schedule
A haulage submission should explain the actual operation: own-account or hire-and-reward work, operating radius, depots, subcontractors, trailer ownership, overnight parking and the categories of goods carried.
Claims experience should be reviewed for trends such as reversing, manoeuvring, theft, bridge strikes, fatigue or load-related incidents, with evidence of the controls introduced.
Responsibility for customers’ goods, contractual conditions, theft controls and limits.
Property, employers’ liability, public liability, interruption and other operational risks.
Evidence the controls
- Driver-hours and compliance processes
- Maintenance and defect reporting
- Load security and bridge-height controls
- Telematics and camera review
- Secure parking and key management
- Post-incident investigation
Claims history
Present the context behind losses and show how the business responded.
How claims history affects fleet insurance →Focused commercial insurance guidance
Describe the haulage work clearly
Haulage risks depend on the vehicles, drivers, loads and journeys involved. Long-distance work can look very different from local distribution.
Explain the normal work and any higher-risk activity. This may include valuable loads, overseas journeys, subcontracting or unusual vehicle types.
- List vehicles and trailers.
- Describe the goods carried.
- Record driver controls.
- Explain routes and overseas use.
Clear operating details help an insurer understand the fleet.