Recovery Truck Insurance
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Quotes are provided by a panel of specialist truck insurance brokers. All providers are FCA regulated.
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Compare Recovery Truck Insurance In 3 Steps
Why compare recovery truck insurance with MultiQuoteTime?
Running a successful recovery truck business involves hard work and a professional approach 24/7. Having affordable insurance is important to the bottom line, but finding and comparing multiple insurance quotes shouldn’t add to your workload.
Finding and comparing the latest deals available in the insurance marketplace is made easy with our partner, Quotezone. The quote process is designed to be quick and simple, allowing you to compare multiple recovery truck insurance quotes from a wide range of UK insurance providers in just minutes.
Recovery truck insurance guide
Recovery Truck Insurance is a motor trade insurance policy geared primarily toward providing financial protection for those who provide a roadside recovery service. This can include vehicles that have broken down or have been involved in a road accident. To operate this type of service, you need a form of motor trade insurance. This type of cover is aimed at covering both the recovery vehicle and the vehicles that you will be recovering.
This type of service will often employ a fleet of recovery vehicles that can include trucks, vans, 3.5 tonne plus trucks and tow trucks. If you have a fleet of recovery vehicles, then the vehicles can be insured as a fleet, which should work out cheaper.
The first step in researching the cost is to get multiple quotes from a range of brokers. MultiQuoteTime works in partnership with Quotezone who provide a simple form that, once completed, is submitted to a specialist panel of brokers. Members of the select panel will be in contact via the telephone to provide you with tailored quotes.
Breakdown & Towing Services Covered
We can provide access to insurance for the following breakdown and towing operations through our panel of specialist insurers:
Roadside Breakdown Service
Light Vehicle Towing
(Cars & Vans)
Heavy Vehicle Towing
(HGVs, Buses & Lorries)
Specialist Towing
(Motorcycles, Classic & Exotic Cars)
Winching & Extraction
(Off-road & Ditch Rescue)
Accident Response
(Emergency & Collision Towing)
Recovery truck insurance cost
You can expect to pay as little as £499 per year per recovery truck vehicle. However, pricing may differ between different insurance providers and is dependent on the type of trucks you use, the age of your drivers and your previous claims history.
What impacts vehicle recovery insurance prices?
- Drivers’ age and experience
- Recovery vehicle type (including condition, size and emission levels)
- The level of cover you opt for
- Any additional add-ons to your policy
- Where trucks are parked overnight
- Claims history
What is recovery truck insurance?
Recovery truck insurance is a cover that is required by UK law to legally operate on public roads. Just like all other motorised vehicle insurance, there are three different levels of cover that can be obtained. This includes
Comprehensive insurance cover provides the most cover, protecting you, your car, and others in the event of an accident.
- Third Party : The minimum coverage allowed by UK law is Third Party insurance. This covers the cost of the other vehicle and medical bills when you are at fault in an accident.
- Third party fire and theft : has the same coverage as the standard Third Party plus protection if your vehicle is damaged by a fire or is stolen through no fault of your own.
- Comprehensive insurance This policy provides the most cover, providing protection for you, your car and other third parties in an event of an accident.
What our expert says
“Recovery truck operators face unique risks every day—from roadside accidents to vehicle damage during transportation. Having the right insurance isn’t just about meeting legal requirements; it’s about protecting your business from potentially devastating financial losses and ensuring you can operate with complete confidence. Through our panel of specialist insurers, we help recovery operators find comprehensive cover tailored to their specific operational needs.” Eamonn Turley, Founder of MultiQuoteTime.co.uk
What Can Recovery Truck Insurance Cover?
If you provide a roadside recovery service, you face unique risks that standard road insurance will not cover. A motor trade insurance policy can be tailored to protect your recovery business from financial loss and operational disruptions caused by accidents, theft, or damage.
The type of cover avaiable under a motor trade policy can include:
Comprehensive cover for your roadside recovery vehicles
Comprehensive cover will provide protection if your truck is damaged in an accident or by fire. The cover will also protect you against vehicle theft. If you have more than one tow truck, fleet cover is an option that may be an attractive alternative, particularly as your business grows.
Third party liabilities
Provides cover against any third-party claims made while operating your business.
Loading and carriage of vehicles
This will provide protection while you are loading, unloading, or transporting other vehicles, ensuring you’re covered throughout the entire recovery process.
Business premises and content cover
This insurance will protect your work premises, offering coverage for both your property and its contents, ensuring you’re safeguarded against potential losses or damages.
Tools and equipment in transit
This coverage protects the tools and equipment that you carry with you while providing roadside assistance, ensuring you’re covered against loss or damage.
Typical insurance exclusions include:
Do you have more than one recovery truck?
Many businesses have a primary focus of recovering cars that have been involved in accidents or are broken down on the road. If you operate more than one tow truck you can also choose a multi van insurance policy, a fleet policy will enable you to manage your insurance under one policy instead of multiple individual policies.
A recovery business with multiple trucks should also consider a policy designed to allow any authorised employee to operate the transporter, rather than designating a single primary driver. This is a form of any driver van insurance and allows multiple operators to use the same towing truck while still being covered.
Recovery Insurance Costs Explained
Recovery truck insurance is more expensive than standard truck insurance, but you can lower the premium by taking some simple steps, as detailed below. Some policies will provide a replacement van if your van needs to be repaired. If this is not included then you will need to hire a replacement truck for the period. If the accident was not your fault this can be claimed back. Please note, if you do hire a van, the van rental excess amount can be excessive. This can be covered by taking out separate van excess insurance. This cover will provide protection for damaged and theft and some policies will include van key cover and even using the wrong fuel.
1 Security
Invest in improving security. Examples include installation of CCTV, secure gates, tracking and immobilizer devices.
2 Driver Selection
Make sure drivers are 25 or over and hold a clean driving history, and if possible, select named drivers only.
3 Excess Amount
Increasing the excess amount — the amount you would be liable for if you caused an accident — can help lower your premium. If you speak with your broker about accepting more risk by raising your excess, they will usually adjust your premium accordingly.
4 Annual Payment
Paying for the entire policy on an annual basis instead of monthly payments.
5 Dash Cam
Consider adding a dash cam. Insurance providers view positively any steps taken to reduce the risk of fraudulent claims by the public.
6 No Claims Discount (NCB)
Keep a good history and only employ drivers with a good history.
7 Low Mileage Discount
Some insurers offer discounts to recovery truck operators with low annual mileage. This is ideal for businesses that focus primarily on repairs, with recovery being a secondary part of their core business model.
Some benefits of getting multiple quotes online
Get multiple quotes by completing one simple online form. Letting you easily compare a range of options from competing insurance providers
Have multiple options increases your odds of making savings, as you can easily compare deals and prices and choose based on price or preferred insurance company
Check out online forums to hear what real customers are saying about your preferred insurance company before committing. Pay particular attention to how quickly they process claims and the level of customer care.
After deciding on your preferred insurer, getting insured can be completed online in minutes. Choosing to pay with a UK debit or credit card, makes setting up your policy a breeze.
Steps to comparing Recovery Truck insurance quotes at MultiQuoteTime.co.uk?
Finding an affordable insurance policy for your breakdown truck is easy when you have Multiple Quotes:
Recovery Truck Insurance FAQs
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