Towergate Underwriting

Truck Insurance for Brokers

Commercial Truck Insurance

Truck insurance for up to 5 vehicles from Towergate Underwriting Transportation

Commercial Truck Insurance

The Towergate Trucks is an NCD rated product designed for people running up to 5 trucks and vans (Mixed risks only. Vans alone are not acceptable). Underwriting capacity is provided by Equity Red Star (motor) and RSA (non-motor). The Towergate Trucks policy allows the insured to insure Vehicles, Property, Liability, Goods in Transit, Engineering etc., all in one document with one renewal date.

**Risk Management discounts are available for forward-facing accident cameras and driver training. A range of training options are available from Towergate Safedrive.


  • Choice of Comprehensive, Third-party, fire and theft, Third-party only or Laid-up fire and theft. Different vehicles can have different cover
  • Includes cover for attached or accidentally detached trailers
  • Includes cover for the cost of defending actions under the Corporate Manslaughter and Corporate Homicide Act 2007 and the Health and Safety at Work etc., Act 1974
  • Limits of liability are: Unlimited bodily injury; £20,000,000 property damage for private type cars and £5,000,000 for damage caused by all other vehicles
  • Cover is provided for radio, cassette, compact disc, communication and navigation equipment permanently installed in the vehicle
  • Personal possessions up to £250 are covered providing the insured doesn’t also have personal possessions cover under the Goods in Transit Section
  • Personal Accident cover is provided for the occupants of the vehicle for up to £5,000 per person, £10,000 during the period of insurance
  • The policy also covers driver physiotherapy following an accident for up to £400
  • Cover includes Medical Expenses for occupants of the vehicle for up to £350 per person


  • Liability assumed under contract unless such liability would attach in the absence of such contract
  • The minimum accidental damage excess is £500. This is increased for young and inexperienced drivers
  • Theft where the keys have been left in or on the vehicle
  • Pollution and contamination, unless due to a sudden identifiable, unintended or unexpected event
  • Use of the vehicle for any purpose not permitted by the Certificate of Insurance
  • Loss, damage or liability happening beyond the limits of the carriageway caused by loading or unloading by any person other than the driver or vehicle attendant

Contact Us

Towergate Underwriting Transportation

Weekdays: 8.45am - 5:15pm