Mercedes Truck Insurance

An Atego up to 7,500kg gross weight requires a C1 licence. Above 7,500kg you need a full Category C licence, and a C+E if you are pulling a drawbar trailer. No Mercedes truck in the current range can be driven on a standard car licence alone, since the Atego starts above the 3,500kg Category B limit.

Hire and reward is a standard use class that specialist brokers in our panel can quote on. It applies whenever you are carrying goods belonging to someone else for payment. Getting this right matters, because declaring own goods when you are operating hire and reward can put a claim at risk.

Specialist brokers in our panel may quote on the eActros, though the market is narrower than for diesel. Underwriters will want to know how the battery is valued, where the vehicle charges, and whether depot charging equipment is insured elsewhere. Comparison is worth more here than on a conventional unit, simply because fewer insurers participate.

Axor, Antos and earlier Actros units can typically be covered, usually on a market value basis rather than agreed value. Underwriters will look at parts availability, repair cost and whether the vehicle is still in regular commercial use. Older does not automatically mean higher, since lower vehicle value can offset the age loading.

From two vehicles upward, a fleet policy is usually more cost-effective than separate single-vehicle policies, and it lets the fleet be rated as a whole rather than by individual unit. Mixed fleets combining Atego, Actros and Arocs can normally sit under one policy.

Not always. Third party only is the legal minimum and covers damage you cause to others, but nothing on your own vehicle. Insurers often price it higher than you would expect, because operators choosing minimum cover tend to be rated as higher risk. On a newer Actros or Arocs, comprehensive is frequently the better value of the two.