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If your business relies on niche or specialist equipment, then you need to ensure that you have the right kind of insurance in place for this. 


Special types insurance will give you peace of mind knowing your specialist equipment is fully protected for any kind of scenario.

What is special types insurance?


Special types insurance is a type of cover that protects specialist pieces of equipment and machinery. This type of insurance will provide your company complete peace of mind by protecting some of your most valuable assets from fire, theft and accidental damage. 


Whether you operate in the construction, haulage or agricultural industry, special types insurance is vital for ensuring your vehicles are protected. 


Which special type vehicles can be insured?


There are a huge variety of different vehicles that are covered by special type insurance, including:


  • Dumper trucks
  • Forklift trucks 
  • Excavators and diggers
  • Cherry pickers
  • Cranes 
  • Lorry mounted cherry pickers 
  • Tower wagons 
  • Tractors and agricultural vehicles
What does special types insurance for fleets cover?

As we’ve mentioned, special types insurance covers a variety of different vehicles for your business, and it can also cover your fleets too.


Depending on the type of cover you need, the three main covers are:

  • Third party only –  This includes cover against damage, injury or death to other people and their property.

  • Third party, fire and theft – This is the same as third party but it includes cover against fire, theft and attempted theft.

  • Comprehensive – This cover includes all of the above and accidental damage. Comprehensive cover will vary depending on the insurer you choose. 


How much does special type fleet insurance cost?


The cost of special type fleet insurance will vary on a number of factors, including:


  • The type of vehicles or equipment being insured 
  • The level of coverage needed 
  • The risk associated with your line of work 


At FleetCover, we are more than happy to help you establish how much you could expect to pay for special type insurance on your fleet. From finding the best quotes for you, to breaking down any insurance queries, we’ll have you covered. 


Is it compulsory to insure special type vehicles in a fleet?


By law, all fleets are legally required to have a minimum of third party insurance cover – this includes ‘special types’ of vehicles that are used on roads. 


Due to this, many companies will choose comprehensive fleet insurance as standard since it offers the highest level of protection for their specialist vehicles. 

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