Plant Insurance
Competitive Plant Insurance Backed By ‘Exceptional’ Service
Want to save money on your plant insurance? Let the plant insurance specialists at Coversure compare our markets to find you the contractors’ plant insurance that’s right for you. We can offer cover for all types of plant, from mini diggers and JCBs to welfare units and cranes. For independent advice and a great value plant insurance quote, call us today on 01482 434343 or request a callback and let our award-winning team compare the market to help you get cheaper plant insurance cover.
Plant Insurance
Competitive Plant Insurance
Want to save money on your plant insurance? Let the plant insurance specialists at Coversure compare our markets to find you the contractors’ plant insurance that’s right for you. We can offer cover for all types of plant, from mini diggers and JCBs to welfare units and cranes. For independent advice and a great value plant insurance quote, call us today on 01482 434343 or request a callback and let our award-winning team compare the market to help you get cheaper plant insurance cover.
Call us today on 01483 434343 and let our award-winning team help you.
Call us today on 01483 434343 and let our award-winning team help you.
Plant Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of plant insurance experience, you can rest assured you’re in safe hands. Being independent allows us to put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 01482 434343, request a callback or get your plant insurance quote today.
Plant Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of plant insurance experience, you can rest assured you’re in safe hands. Being independent allows us to put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or get your plant insurance quote today.
What is Plant Insurance?
What is Plant Insurance?
Plant insurance, or contractors’ plant insurance, special types fleet insurance or engineering insurance as it’s also known, provides cover for specialist vehicles and equipment such as JCBs, diggers, welfare units and mobile cranes. While plant insurance is often associated with the construction industry – hence it being called construction plant insurance – it can also protect equipment used in sectors such as manufacturing, logistics, and haulage for things like high loaders, forklift trucks, and mobile generators. A flexible form of protection, a plant insurance policy can include cover for common risks, including:
Loss or theft, including while being stored off-site
Malicious and accidental damage, including while it’s being transported
Legal fees for defending legal proceedings incurred with the insurer’s consent
Road risks only for those driving plant on public roads
Public liability insurance
Third-party working risks insurance (TPWR)
Who needs a Plant Insurance policy?
If you own or hire plant equipment, you should have plant insurance. The sort of people and businesses that most commonly request plant insurance quotes from us are:
Businesses and individuals that own plant equipment
Construction firms
Warehousing businesses – for forklifts and other lifting equipment
Agricultural businesses and farmers
Haulage firms
Manufacturers
Civil engineering companies
Members of the public who own plant such as mini-diggers
Building firms
What types of equipment can be covered by plant insurance?
Plant insurance can cover a surprisingly wide range of equipment, including the following. If you have a particular piece of kit you’d like to get cover for, please call us on 01482 434343; we’ll be happy to help.
Excavating eqipment such as diggers, JCBs, earth movers, and boring machines
Lifting equipment like cranes, mobile cranes, scissor lifts, high loaders and cherry pickers
On-site equipment, including welfare units, mobile generators, and tool/supply sheds
Road-going plant vehicles such as dump trucks, mobile cranes, and steam rollers
Call us today on 01482 434343 and let our award-winning team help you.
What types of plant can be covered by owned plant insurance?
Plant insurance can cover a surprisingly wide range of equipment, including the following. If you have a particular piece of kit you’d like to get cover for please call us on 01482 434343 and we’ll be happy to help.
Excavating Plant
All types of construction plant can be covered such as diggers, mini diggers and dump trucks.
Lifting Plant
All types of lifting plant catered for including cranes and forklift trucks.
Access Plant
All types of access plant equipment such as boom lifts or scissor lifts.
Mobile Plant
A whole host of mobile equipment should be insured including generators and pumps, and pneumatic and hydraulic equipment
Loading Plant
Various loading machinery types can be insured including cherry pickers and telehandlers.
Road Plant
Many road legal plant types including skip loaders, snow ploughs and gritters or road laying and marking machinery.
How much does
Plant Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your plant insurance quote will depend on things such as…
The type of plant you have
The value of your equipment
Where you are using it and if you need road risks cover
The type and size of the contracts you are working on
Your business’s location/postcode
Where it’s stored and how secure it is
Your level of no-claims bonus – if you have any
Your plant’s age and general condition
The age of the people driving your plant vehicles
Your claims history
The ages of those using it
How to get cheaper Plant Insurance
This is a question we get asked a lot, and the good news is there are several easy ways to potentially get cheaper plant insurance quotes:
Shop around – like any other insurance policy, it can pay to shop around. Better still get an independent plant insurance broker such as us to do the shopping around for you
Use an independent insurance broker – plant insurance quotes can involve multiple complex risks with policies containing exemptions and limits that may not be obvious to the layman. By getting some advice from an independent broker that specialises in plant insurance such as us, you can be sure of getting the cover you need
Register your equipment with the CESAR Scheme – the CESAR (Construction and Agriculture Equipment Security and Registration) Scheme was established in 2008 to help combat agricultural and construction plant equipment thefts. It’s free for life, is recognised by major insurers and can help bring down your plant insurance quotes
Fit vehicle trackers or a telematics system for mobile and road-going plant – vehicle trackers can help the police locate your equipment if it’s stolen
Store your equipment securely overnight, at weekends and when left on site
Increase your excess – your excess is the amount you pay in the event of a claim. We’ve seen quotes come down by as much as 10% by increasing the excess
Build up your no-claims bonus – your no-claims bonus (NCB) can also help reduce your plant insurance costs. You should also ask your broker about longer no-claims periods. Typically, these are set at a maximum of five years, but some insurers will offer no claims periods of seven or even nine years
Get a plant fleet insurance policy – if you have two or more pieces of plant to insure – be they diggers, dumper trucks, steam rollers or forklift trucks – you can get plant fleet insurance
Get an annual policy – if you own plant, or if you’re hiring plant in several times a year, it may work out cheaper to get an annual policy rather than a series of short-term plant hire policies
Choose a ‘named driver’ rather than ‘any driver’ policy
How much does Plant Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your fleet insurance quote will depend on things such as…
The total value of your equipment
If you need to use them on the road and need a road risks element to the policy
How securely they are stored and where
The ages of the people who will be driving road-going plant
Your claims history
Whether your equipment is registered with the Construction Equipment Security and Registration Scheme, CESAR.
Your level of no claims bonus
Whether you want to pay monthly or annually – annually will usually prove cheaper
Where you are working – at sea, at height, or in city centres will likely push up your premiums
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
We get asked a lot of questions about construction plant insurance so to make getting the cover you need easier, here are our plant insurance frequently asked questions and answers. We’ve covered the most important issues here, but if you’d like some independent advice, then please call us free on 01482 434343 or request a callback. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
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
Construction vehicles, mini diggers, 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
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 that own their own kit
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
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
Construction vehicles, mini diggers, 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
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 that own their own kit
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
