Skip hire insurance

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With years of experience arranging insurance for skip hire operators, Towergate Riskline has built an understanding of challenges you face. We welcome the opportunity to tailor skip insurance for you. Cover options:

• Motor insurance - for your lorries while on collection and delivery (single, multi-vehicle - up to five vehicles and fleet options available)
• Public liability - liability for injury or damage to others arising from negligent business activities
• Employers liability - your liability at law for injuries caused to employees at work

We can consider standalone motor enquiries or those for combined liability only.

In addition we now have access to the Towergate Trucks insurance. This is a unique scheme for the independent operator covering all of your insurance needs in one policy. It is designed for those smaller businesses with no more than five trucks over 7.5 tonnes and one service van. The core policy provides motor insurance and uninsured loss recovery legal expenses, with flexibility to add optional covers to suit your circumstances. These can be added mid term should your current Liability policies expire at different dates to your motor insurance.

Key features - Towergate Trucks insurance

• Motor insurance -
• Comprehensive
• Third party fire and theft
• Third party only
• Vehicles can have different cover
• Legal expenses - £50,000

Optional sections

• Business property - buildings and/or contents loss or damage from a range of insured perils
• Public liability up to £5,000,000
• Skips are subject to an endorsement requiring precautions to be taken when left on the side of a road
• Employers liability standard policy limit £10,000,000
• Business interruption at your premises following loss or damage from a range of insured perils
• Engineering inspection – annual inspection to comply with statutory requirements
• Engineering insurance

Excesses

• Motor excesses vary according to the selected insurer. They start from £350 and will increase to at least £650 for drivers aged between 25 and 21 and £750 for drivers aged 20 or less
• Public liability third party property damage excess from £250
• Engineering from £100

Key exclusions/conditions

The following are not exhaustive and for full detail reference should be made to the policy wording.

• Motor -
• Third party property damage limit varies from £1,000,000 to £5,000,000 dependent on insurer selected
• Reasonable care/precautions condition applies. i.e. if you leave your keys in your lorry and it is stolen you will not be insured
• Public liability -
• Excluding liability assumed under agreement
• Excluding liability for toxic materials and requiring other materials to be tipped at licenced facilities
• Excluding loss or damage caused by concrete or concrete products supplied