Cover for vehicle movements
Vehicle Transporter Insurance
Guidance for businesses transporting customer, stock, auction, salvage or prestige vehicles using single or multi-vehicle transporters.
Pre-launch information only. CoverPilot is not currently arranging insurance or providing quotations.
The load can be worth far more than the transporter
Vehicle transport businesses need to consider both the transporter itself and the vehicles being carried. The maximum value of any one vehicle, the total value per load and the type of vehicles moved can materially affect the insurance arrangement.
Work may range from local dealer transfers to nationwide auction movements, prestige car delivery, salvage collection or multi-vehicle logistics. Insurers will usually want the operation described accurately.
Vehicle Transporter Cover Areas to Review
- Motor insurance for the transporter
- Customer or stock vehicles in transit
- Loading and unloading exposures
- Public and employers’ liability
- Tools, straps and specialist equipment
- Premises and vehicle storage
Risk controls worth documenting
- Load plans and weight limits
- Approved securing methods
- Driver training and checks
- Vehicle condition records
- Route and overnight parking controls
- Incident reporting procedures
Read limits and exclusions carefully
Policy sections may apply different limits to vehicles in transit, vehicles stored overnight and vehicles being loaded or unloaded. High-value, competition, classic or damaged vehicles may require specific agreement.
Focused commercial insurance guidance
Describe transporter work in practical terms
A vehicle transporter may carry one vehicle or several. The risk depends on the transporter, the vehicles carried, the routes used and the loading process.
Explain how vehicles are checked before loading and how they are secured. Also record who is authorised to drive the transporter.
- List transport vehicles.
- Describe normal loads.
- Record loading checks.
- Confirm authorised drivers.
Good loading and movement records make the risk easier to explain.