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From cherrypickers to cranes, construction projects will often call for serious machinery. Oftentimes, companies will have to hire-in plant machinery rather than buying the equipment outright.  


If this hired-in equipment is stolen or damaged, it could slow you down and bring your work to a standstill. Not to mention, it could also land you with a heavy repair cost if you don’t have the right insurance in place. 

What is hired-in plant insurance?

Hired-in plant insurance is a type of insurance that covers constructional plant and equipment that you have temporarily rented under contract. It provides financial protection against the loss or damage of large and expensive machinery. 

It covers anything from fire and flood damage to theft and vandalism, insuring you against compensation costs you are liable for under the terms of your hire agreement. 

Other than covering the material damage of the items in your possession, you will also require cover for public liability for road risk exposure if the vehicle (item of plant) is road registered and will be used on a road. 

(*The definition of a road would include anywhere that a member of the public might have access to, so this could include yards, car parks, etc.) 

You will often require two policies to fully cover this exposure: a fleet policy and also Hired-in-Plant Insurance.

What plant and machinery can be hired in and insured?

Hired-in plant insurance can cover a number of different types of plant and machinery, including:

  • Forklifts 
  • Diggers and excavators
  • Tractors
  • Cherry pickers 
  • Concrete mixers 
  • Dumpers 
  • Pavers 
  • Rollers 
  • …and many other different pieces of equipment.

Can you cover hired-in plant for short term periods?

Yes, you can get hired-in plant insurance for short periods of time, and more often than not it is the quickest and most convenient solution for one-off projects. 

Short term cover will provide insurance for all plant equipment within the agreed time period of the hire until returned to the hire company.  

Who needs hired-in plant fleet insurance?

Anyone who is renting construction machinery could benefit from hired-in plant fleet insurance. You may find that companies will refuse to lease the equipment to you unless you can show proof of this cover. 

Why you need hired-in plant insurance for your fleet

Plant equipment can be extremely valuable, and no matter how careful you may be, there is always a chance something could go wrong. There may be many threats to the machinery, such as accidental damage, severe weather and theft. 

Under the terms of your hire agreement, you may be liable to replace the equipment in scenarios like these. This is where hired-in plant insurance is there to protect you if the unexpected happens. 

How much does hired-in-plant insurance cost?

The price of hired-in plant insurance can vary depending on a number of different factors, such as:

  • The type of equipment you’re hiring 
  • The maximum single item value for the equipment
  • The total value of all equipment hired
  • How long you will have the equipment for 
  • The hiring fees

To find out how much you can expect to pay, you can request a quote today.

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