The Towergate Trucks is an NCD rated product designed for people
running up to 5 vans and trucks. Underwriting capacity is provided
by RSA and Equity Red Star. 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 tools included as standard are 7-hour
Driver-cpc for the owner or manager of the business and a
forward-facing Smartwitness camera for each vehicle 7.5 tonnes GVW
or over.
Cover
- 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
Exclusions
- Liability assumed under contract unless such liability would
attach in the absence of such contract
- The minimum accidental damage excess is £500 (Aviva) or £350
(ERS). 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