Yeah who was that with then I’d like to see the small print on that.
The small print is very thorough and every requirement has been discussed at great length with the broker.
The policy was then built up on these very specific requirements.
The initial setting up of the policy went through four different companies until they found one that was willing to provide the cover needed. I think the first year, when I was 43 was about £550.
11 years ago when I started out with them, just getting tank cover without endless arguments was very difficult. Most insurers wouldn't provide it at all and hardly any would back that up with off road cover.
One company argued that If I ever drove across my field to fill up with water, it would invalidate the entire policy. Getting an insurer that would cover both was initially very tricky.
Gladiator, the broker, eventually found a suitable company and this has changed a few times in the last decade, although as tanks have become more common the number of insurers willing to play ball has opened up considerably.
Current cover is for an unsecured 400 litre tank with all ancillary equipment.
Leather interior, external trim and alloy wheels from a non-poverty spec version.
Off road cover for a variety of applications including use on our land, building sites and solar farms.
The off road cover is still one of the hardest to get as most policies - commercial or private - will not cover you for any off road use whatsoever - worth considering for any of us that regularly work on sites.
Last year it was £178 out of the total £360 policy for both trucks - same company, same level of cover for each truck, myself only to drive, 54, clean licence, second cheapest insurance area in the UK.
Hope that's small printy enough for you.
