Recovery Truck Insurance

Keep yourself and your recovery truck protected whether you’re on a repair, on the road, or at your workshop.

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What is Recovery Truck Insurance?

Recovery Truck Insurance protects recovery operators and drivers from damage or loss while out recovering vehicles.

Otherwise called Tow Truck Insurance, this cover is usually part of a wider motor trade policy that can offer a huge range of covers such as road risks, public liability, property damage, business equipment and more. So, if you work for yourself, or subcontract for a larger business, make sure you’re fully covered whether you’re on the road or at a premises.

What does Recovery Truck Insurance cover?

Recovery Truck Insurance includes a range of covers from standard road risks protection to more tailored insurance specific to recovery trucks:

  • Recovery trucks up to 17.5T GVW
    Road risks cover for recovery trucks up to 17.5 tonne. So, whether you’re looking for 7.5 tonne recovery truck insurance, or cover for something smaller or larger, we’ve got you covered.
  • Cover for cars and vans in your care
    Cover while a vehicle is in your care, custody, and control for motor trade purposes.
  • Cover for vehicles in transit
    With Road Runner, you can arrange cover for any damage that may affect the recovered vehicle while it’s being transported or towed.
  • Insurance for items and equipment
    This covers machinery plant, goods, or portable hand tools kept in your truck, including those left in the recovery vehicle overnight (subject to conditions).
  • Premises cover
    Work from a garage, workshop, or other motor trade premises once a recovered vehicle is off the road? We can cover this too.
  • No claims bonus protection
    You can also take advantage of our ‘no claims bonus’ protection by paying a little bit extra to ringfence this security. So, in the event of a major claim or write-off, that further payment delivers a big bit of help. (Terms apply – see your policy booklet or summary of cover for more details.)
  • Liability insurance
    Cover up to £5m. Arrange protection from third-party claims – whether they are true or not. We can also include cover for defective workmanship.

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Why choose Road Runner for Recovery Truck Insurance?

We’re with you every step of the way.

Over 25 years of experience

We’ve been in the motor trade industry for over 25 years, so we’re well-placed to help you secure the right cover – whether that’s a motor trade or personal policy.

We’re motor trade insurance specialists

We know the motor trade inside-out. We know what oils your engine, and we know what grinds your gears. You’ll never get a one-size-fits-all insurance solution.

We make it personal

It’s not just about a quote at renewal time. We get to know you and your business, understanding the specific risks and challenges involved in vehicle recovery and secure the most suitable cover solution.

Contact us today to see if we can get you a better deal than you’re on now. Don’t worry, there’s no obligation if it’s not for you.

What insurance do I need for a recovery truck?

You’ll need motor trade cover specific to recovery trucks. Within this cover, at the very minimum, you’ll need road risks insurance. And if you employ staff, you’ll need employers’ liability cover.

But to fully protect your recovery truck business, you’ll likely want to consider the wide range of options open to you. We know that one size doesn’t fit all within the motor trade. So, we’ll work with you to offer you options tailored to your business – for example, if you’re the owner-operator of a single tow truck and are looking for recovery truck insurance for private use, we can tailor cover to your needs.

Ideally, your policy should cover your vehicles, any recovery equipment, as well as any third-party or customer vehicles you’re working on or transporting back to a garage or workshop.

What size recovery trucks are covered by Road Runner?

Road Runner can insure recovery trucks up to 17.5 tonne GVW. So, we can cover a huge range of truck sizes and provide tailored cover for each.

Whether you’re looking for 3.5 tonne recovery truck insurance, or need to cover a larger 17.5 tonne truck, you’ve got options with Road Runner.

A car being loaded onto a tow truck with a ramp by the roadside.

How to insure a recovery truck

Your best bet for finding reliable, tailored, cost-effective Recovery Truck Insurance in the UK is finding a specialist motor trade insurer with a good track record.

At Road Runner, we’ve been insuring the motor trade for over 25 years. We know what it takes to build a comprehensive policy for motor traders.

It’s easy and quick to get a quote with us. Just contact our specialist team. We can review your requirements and offer information, advice, and a quote. You can request a quote here, call 03301 00 87 20, or email sales@roadrunnerinsurance.co.uk.

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Our criteria

For Road Runner to be able to provide a quote for your Breakdown and Recovery Insurance, you must meet our criteria. Some of the main points you must satisfy are below:

  • You and all drivers are aged 23 and upwards
  • You’re actively operating a motor trade business for profit or income
  • You and all drivers have not been disqualified from driving, and haven’t been convicted of driving without insurance
  • You and all drivers have no criminal convictions under the Rehabilitation of Offenders Act nor any criminal convictions pending
  • You, any partners, directors, employees, or drivers have never had a policy cancelled, declined, been refused renewal, nor had any special terms or premium imposed

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Frequently asked questions

How much is Recovery Truck Insurance?

Recovery Truck Insurance cost varies between customers and the size of the business they operate. Our personal approach means we look at each individual business and consider their needs before getting you a quote. We are proud to work with AXA for this cover, who are an A-rated insurer. We’ll always endeavour to offer you the most comprehensive, suitable cover at an agreed price.

How to get cheap insurance for a recovery truck

At Road Runner, we want you to get the best cover for your business. Here are some things to consider when trying to lower your Recovery Truck Insurance price.

Choosing the right motor trade insurer

We pride ourselves on our long-standing position within the motor trade market. While it can be tempting to go for significantly cheaper cover with lesser-known insurers, this won’t always work out in your favour. So, make sure you do your research.

At Road Runner, our dedicated team will work with our internal underwriters to get you the best price possible. And we work with AXA, an A-rated insurer, to make sure your cover is as comprehensive as you require.

You need a fair price from a specialist and experienced insurer – only the best for your business.

Weigh up your essential covers

Knowing what cover is legally required is an important part of getting Recovery Truck Insurance. You’ll need cover for road risks at a minimum. And then cover for employers’ liability if you employ staff. Everything else is your choice.

Although it can be tempting to just include the essential covers, you should also consider the losses you might incur should you experience an issue without the appropriate insurance in place. For example, what if your truck gets broken into? What if you damage a customer’s vehicle? What if someone makes a liability claim against you?

Although it may seem cheaper to only opt for essential covers in the short-term, it can work out much more expensive in the long-run if you experience losses that you aren’t covered for.

When you work with Road Runner, our dedicated and experienced team will work with you to understand your business and its requirements. We’ll give you all the information you need to make an informed decision on the level of cover you require.

At Road Runner, we’ll always do our best to offer you cover at a fair price. But we don’t like to use words like “cheap”. Our specialist insight and know-how means we only offer the right, most comprehensive policy options – so your business is fully protected.

Meet the Road Runner team

We’re proud to present a specialist team who’ll not just provide you with insurance policy options, but get to know you and your business. So, let’s introduce:

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