Hazardous Goods Fleet Insurance

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A Guide to Hazardous Goods Fleet Insurance

If you are in the business of transporting hazardous goods such as fuel, animal waste, liquid waste and chemicals, we can provide you with access to the panel of expert hazardous goods fleet insurance providers. These providers are able to tailor the level and cope of cover to the needs of your business haulage activities.

In order to get the best deal on hazardous fleet insurance or indeed any insurance product, it’s vital that you compare quotes from a wide range of providers

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your business’s individual requirements.

Cover available for all types of vehicles
Policies can be tailored to your requirements
Flexible payment options
One short form – save time and money
All fleet sizes from 2 vehicles upwards, including mixed fleets
Specialist any-driver fleet insurance available, with constraints to help lower costs

What are the the levels of cover available?

There are three major levels of cover for motorcycle fleets, which includes:

Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property
Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your fleet of bikes caused by fire or theft.
Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own fleet, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

Breakdown Cover : If your fleet vehicles are new, they may already have breakdown cover included in the first 2 or 3 years.
Uninsured driver promise : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.
Goods in transit – insures any goods you are delivering or transporting.

Types of Hazardous Goods

Transporting hazardous goods is high risk and strict rules must be followed to obtain a licence to operate in this sector. We are all familiar with the warning signs of on some trucks that clearly identify the type of hazard being transported, The main categories are listed below.

Category	Description & Examples
Gases	Includes compressed, liquefied, or dissolved gases. Examples: propane, methane, hydrogen, chlorine.
Flammable Liquids	Liquids that can ignite easily and sustain combustion. Examples: petrol, ethanol, various industrial solvents.
Oxidizing Substances	Materials that promote combustion by releasing oxygen. Examples: hydrogen peroxide, oxidizing fertilisers.
Toxic Substances	Substances that can cause injury or death when inhaled, swallowed, or absorbed through the skin. Examples: pesticides, industrial chemicals, certain pharmaceuticals.
Corrosive Substances	Materials that can severely damage living tissue or other materials through chemical action. Examples: sulphuric acid, sodium hydroxide.
Miscellaneous Dangerous Goods	Materials posing hazards not covered by other classes, including environmentally hazardous substances or substances that react dangerously when wet.

Carriage Of Hazardous Goods Regulations?

It’s crucial for those involved in the transportation of hazardous goods to be properly trained and certified, and for vehicles and containers to meet specific safety standards and regulations to minimize the risks associated with transporting these materials.

Carriage of Dangerous Goods and Use of Transportable Pressure Equipment Regulations (CDG): These regulations govern the transport of dangerous goods by road, rail, and inland waterways. They set out requirements for the classification, packaging, labelling, and carriage of hazardous materials.
Low Emissions Certification (LEC) for the Low Emissions Zone (LEZ)
European Agreement Concerning the International Carriage of Dangerous Goods by Road (ADR): ADR is an international treaty that regulates the transport of dangerous goods by road. The UK has implemented ADR through domestic legislation, including the CDG Regulations. ADR provides detailed requirements for the classification, packaging, marking, and labelling of dangerous goods.

Factors that Impact the costs of Fleet Haulage Insurance

Lowering the cost of Hazardous goods fleet insurance quotes entails taking steps to lower your risk of insurance claims. As potential payouts can be very significant, it is important and in some cased the insurance company will mandate that you follow strict guidelines in lowering the risk of accidents. Some of these areas include

Security: It is important that these vehicles are always kept secure, follow guidance from your insurance company and the government guidance legislations.
Drivers: You may find that any perspective insurance company will insist on experienced drivers that have a verified history of safe driving,.
Implement Regular Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims. Maybe extreme, but you could make drivers responsible for the vehicle excess amount or a percentage of.
Voluntary Excess amount : the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.
Over 25 : Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember, you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any driver multi van policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers.
Named Only: Type of policy, named, or any driver and driver restriction imposed in the policy.
Multiple Quotes : Like any purchase, you will need to do some upfront research to help find the best quote that meets your requirements and is also affordable.

Provider	Get Free Multiple Quotes
Aviva Multi Van Insurance	Compare Now
Direct Line Multi Van Insurance	Compare Now
Admiral Multi Van Insurance	Compare Now
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LV Multi Van Insurance	Compare Now
Axa Multi Van Insurance	Compare Now

Time to get hazardous goods fleet insurance quotes?

As our name suggests, we can provide multiple quotes for motorcycle fleet insurance. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!