There are a surprising number of people owning their own Lorries for personal enjoyment. During the long days of a UK summer, you can journey to any part of the country and enjoy gatherings of classic and antiquated heavy vehicles, lovingly restored and maintained by their enthusiastic owners.
These rallies are one of the peculiar joys of an English summer, often attracting visitors in their 1,000's. Of course, if you're a classic lorry owner, you'll need to find very specific lorry insurance to drive to and from the rallies, or drive anywhere else for that matter. In order to drive on British roads, you must be insured, but finding the correct insurance for your needs can seem daunting. Thankfully specialist insurance companies now exist to offer cover for all types of lorry, including classics.
The cover available in a Lorry insurance policy is almost identical to HGV insurance. The main difference is the type of vehicle being insured. To simplify matters, a lorry is classified as a single goods transporter that has a fixed axle. An HGV is a goods vehicle that has a cab and usually also a trailer attached. Both vehicles face similar risks while traveling, which may include breaking down or being involved in an accident. Drivers are usually on a quick schedule and cannot be late, and apart from that worry there is also theft and damage to goods that a driver needs insurance for.
Recently, there has been much media reporting of the scams designed to prey on drivers in the UK. Gangs of criminal raid the vehicles while exhausted drivers are asleep, leaving them with no goods to deliver. Thankfully, there are insurance policies that cover this, which is an extremely important consideration for anyone with a valuable load.
Any classic owner knows that mileage is never an issue. If you drive less than 5,000 miles in a year, the cover is very affordable. The fact is that all manner of unusual Lorries, including restored fire engines and traction engines, can obtain affordable insurance. When searching for the best policy, the internet is an excellent place to begin. The knowledge gleaned by doing research can save you £100'!
In conclusion, it matters not whether you seek lorry insurance for a working vehicle or a classical car. The basics of the policy are very similar. When owning either type of vehicle, it is imperative that you obtain cover in the event that it is stolen or any goods are damaged. Another priority is obtaining cover against those unexpected breakdowns you may experience as you dash down the country roads, eager to show off your antique red fire engine at the annual car rally!
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