Protect Yourself with Hired Mini Digger Insurance
Insurance4Plant can provide you with plant hire insurance quotes for annual or short term mini digger hire.
With it, you can hire the equipment knowing you are protected should the worst happen.
With an Insurance4Plant policy, you will be protecting yourself from disasters such as Accidental Damage, Fire and Theft. Insurance4Plant offers policies that can be tailored to your individual needs and requirements. Apply for a quote via the ‘Get a quote now’ button and you can purchase cover for your hired in digger online today.
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Why do I need a mini digger plant insurance UK policy?
A mini digger is a large machine that can be equipped with a wide range of attachments, and can dig down to depths of 3 metres.
They are very cost-effective compared to larger diggers and have a higher range of mobility. This versatility means they are frequently used in construction and landscaping.
However, they also happen to be very expensive machines, it can be tens of thousands of pounds to buy one used. Instead, many tradesmen and contractors choose to hire them when there is a need.
If you hire a mini digger, it is likely you will be responsible for loss or damage to the equipment during the hire period. Accidental damage, fire, and theft are tangible risks that can occur at any time. Furthermore, it is usually a contractual requirement to arrange insurance for the hired in digger and provide evidence of this to the hire company.
With an annual or short term plant insurance policy, you will be protecting yourself from your contractual liability and will be ensuring you are compliant with the hire contract.
Should the worst happen, you can claim on your digger hire insurance up to £100,000 in repair or replacement costs. If you are responsible for paying continuing hire charges until the machine is repaired or replaced, then that cover is included within our short term hire policy up to a limit of £5,000.
Do you provide short term plant insurance for other types of hired heavy machinery?
On a insurance4plant short term plant insurance policy we can provide cover for a wide range of hired in equipment such as cherry pickers or scissor lifts, as well as some specialist construction items with our equipment and construction site insurance policies.
We are unable to provide cover for heavy machinery used for non-construction type roles. Examples include:
All terrain vehicles
Site surveying equipment
Unattended aerial vehicles (also known as drones)
Road surfacing sprayers and pavers
Lorry mounted sweepers
Vehicle mounted concrete mixers
Note: the definition of Processing machinery is:
Plant used to perform mechanical or chemical operations on any material in order to change or preserve it including but not limited to bailers, compactors, crushers, harvesters, picking stations, shears, shredders, trommels, and washing plant. Such operations shall include but not be limited to baling, compacting, crushing and washing, granulating, grinding, harvesting, pulverising, screening, shredding.
If you wish to obtain a quote in respect of an excluded item, whether for a short term or annual hired in plant insurance policy, then please contact the insurance4plant team. We shall be happy to provide you with a bespoke quotation
The claims process?
Settling a claim is a quick and straightforward process if you come prepared. As soon as the incident happens you should notify us as well as the hire firm.
You will need to provide policy details, including the policy number and details of the hire. Then provide us with a claim form and as much detail and evidence about the incident as possible.
If theft is involved, you will need to submit a police report and crime reference number as essential evidence. You may also need to provide evidence of the continuing hire charges charged by the hire company following the loss of the equipment.