Legally speaking, only if you’re planning to drive it on public roads, so-called road risks cover

Anyone who owns plant equipment – be it a digger, cherry picker, mini-digger or an excavator – can get plant insurance from us

Plant insurance is the collective term for this type of cover and includes owned and hired plant.   In total there are four types of plant insurance:

• Hired-in plant insurance – hired plant insurance covers equipment you rent rather than own.  Hire-in plant insurance can last a day, a week, or even months depending on your needs and provides specific protection against financial risks arising from using hired plant.  These include cover for the cost of repairs should it be accidentally damaged or covering hire fees should it be lost or stolen

• Owned plant insurance – or plant insurance protects plant equipment that you or your business owns.  Cover is usually taken out annually, though we can arrange temporary cover if required.  It is often taken out as part of a package of covers alongside other business-critical insurances such as public liability insurance or construction insurance

• Temporary plant insurance and annual plant insurance – temporary plant insurance is taken out by people who need hired-in plant insurance, be it for a mini-digger for a day, or an excavator for a week on a construction job.  Annual plant insurance policies tend to be for those with owned plant, though if you’re hiring plant regularly, it can work out cheaper to get an annual policy
• Road risks plant insurance – road risks plant insurance allows you to drive plant vehicles on the road so long as they have road tax

Mini diggers, cherry pickers, tar sprayers, mobile lifting equipment, cranes, forklifts, the list goes on and on…  If you have a piece of kit you need insuring, call us on 01482 434343, and we’ll be happy to discuss your requirements

Yes if you have equipment floater cover as part of your policy

That will depend on things like the type of equipment you have, how long you are hiring it for, where you’ll be using it and who will be operating it.  To find out more or to get a hired-in plant insurance quote, please call us on 01482 434343 and one of the team will be happy to help

Yes, the most common ones include public liability insurance – which protects you should someone by injured or their property damaged – and third-party working risks, protection against damaging a third-party’s property while you are working, a must-have for homeowners hiring mini-diggers

Getting plant insurance quotes from us is easy.  You can call us on 01482 434343, request a callback or get your plant insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like

Yes, we can offer cover for people who are hiring plant as well as businesses

Yes, it can include third-party working risks insurance (TPWR) insurance, so you’ll be covered if you accidentally damage someone’s property while working

From a day to over a year.  If you’re hiring a mini digger for a day to dig up the garden or lay some drainage channels at home, we can help.  Equally, if you have a construction firm and are hiring several pieces of plant equipment for weeks or even months, we can help with that too.  To find out more, call us on 01482 434343 or request a callback

Yes, it can include third-party working risks insurance (TPWR) insurance, so you’ll be covered if you accidentally damage someone’s property while working