A Quick Guide
Insurance can be a minefield – anyone that’s skipped reading the small print and then had an issue will tell you it’s worth taking the time to make sure you’re properly covered. We require anyone hiring from us to have insurance as it’s peace of mind for everyone to know your hire diggers and dumpers are covered when they’re on your site. There are plenty of options when looking for plant hire insurance, here’s a short explanation of the most common options available.
Protection for hired items
The lowest level of all insurance should cover the items you’re hiring against any unexpected problems such as theft, accidental damage, fire and storm damage. You need to double check this covers all items such as any extra breaker attachments for your digger and any tools you have hired.
Liability
To the most basic cover you can normally add cover for liability associated with it’s use. This would cover any damage to property or injuries to people caused whilst using the hired plant. It may also cover accidental damage to services such as underground pipes, or cables. This is a good idea, as if you accidently dig through services that you didn’t know were there the costs could be huge! Not all policies cover this, so it’s worth spending the time checking what’s covered.
If you already have business insurance it may contain liability insurance, but you must check this covers you to use hired in machinery.
Temporary Plant Hire Insurance
This is a policy that will cover you for a specified time frame. Perfect if you’re only using a mini digger for a small job. You have to specify an end date when arranging the insurance, so if your job takes longer than expected you would have to arrange more cover.
Hired Plant Insurance
This is the right policy if you’re not simply looking for a brief hire, but regularly hire plant. It covers you for a year and will cover all plant you hire during that time, so it doesn’t matter if the job overruns. When taking out hired plant insurance it’s important to check the amount of cover it’ll give you. You need to consider the amount and type of plant you’re likely to need, and find out how much the replacement cost would be to make sure your policy would cover it. Sometimes this insurance can be added onto your current business policy, you would need to speak to your current insurer to ask if they offer this.
Hire From Us Today!
We make hiring plant from us as simple and straightforward as we can, checking you have insurance before the start of your hire saves everyone from having issues in the future.