Why trucks need their own policy
A truck used for business is insured under a commercial vehicle policy, not a private one. The way the vehicle is used, its carrying capacity and its permit all shape the cover available.
Details to keep ready
- Registration certificate and permit
- Previous policy, if any
- Gross vehicle weight and body type
- Usual routes and goods carried
Read the policy, not just the price
Check the insured declared value, the deductible and the list of exclusions. Always rely on the insurer's policy wording and schedule.