Hired Scissor Lift Insurance
We can provide a plant hire insurance quote for an ‘all risks’ basis including accidental damage, fire, theft or attempted theft, malicious damage, flood and water damage, plus other perils
Cover is provided on a full reinstatement basis for equipment that is under 24 months old, with indemnity cover for older items. With our equipment hire insurance, you’re covered anywhere in the UK, whether on your own premises, in transit or on site
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Plant hire insurance FAQs:
I only require scissor lift insurance for a short while. Can I insure on a short term basis?
Yes. You can insure a single machine, such a scissor lift, under a short term plant insurance policy that provides cover for the hire period. If you foresee yourself needing hire equipment insurance frequently across the year, then it may be more suitable to take out an annual policy. This is a policy that lasts 12 months and covers most plant and machinery.
If you still need help, the Insurance4Plant team can help you decide which policy is better for your circumstances.
Can Business Public Liability Insurance Cover Plant Hire?
No. Whilst hire equipment insurance is a form of protection from your contractual liability, Public Liability policies do not cover plant hired by you.
By default, business public liability policies do not cover repair or damage costs, fines/penalties, or theft of equipment. Their primary purpose is to protect against lawsuits or claims made against by clients or members of the public due to your negligence.
Some providers may allow a hired equipment insurance section to be added to your policy. However, the limits on these policies may not be sufficient to meet your needs and there will likely be security conditions not contained on a standard contractor’s plant policy.
The Insurance4Plant team can find standalone plant and machinery insurance policies as well as policy add-ons that could be beneficial to you. Contact us to guide you through your options.
Do I have to have equipment hire insurance when I hire plant?
While it may seem more cost-effective to forgo protective coverage, there are risks you must consider. Many hire companies will contractually make you responsible for the loss of or damage to the equipment and will require you to take out a plant hire insurance quote as part of their hire contract. These hire contracts will hold you fully responsible for loss or damage to the machine during your hire term, regardless of whether it was your fault.
An estimated £400 million worth of plant equipment is stolen every year. In addition, whilst the cost of machines can vary the typical cost will range from £5,000 to £30,000 to replace one machine. Hire equipment insurance mitigates the financial impact caused by these circumstances.
To ensure you get the best value for money, we select from annual and short term plant hire insurance policies. Whether you frequently rely on hiring plant machines or only need them once, we can provide advice on the best cover for you.
How much is annual hired in plant insurance?
Annual insurance is more cost-effective than taking out short term plant insurance policies several times across the year.
Factors that will affect the price of your hired in plant insurance UK quote include:
- What risks need to be covered by the policy.
- How many machines you are hiring and their maximum value.
- What you are using the machines for e.g. construction or landscaping.
- Site security and risk management in place to prevent a claim
- Estimated annual hired in plant fees
- If you have made any previous plant and machinery insurance claims.
Some firms will offer one-off policies for their equipment, but these may not be value for money or coverage if you are hiring often. Similarly, many providers only have annual policies which are not appropriate for infrequent hiring.
We are prepared for most circumstances. In addition to tailored coverage, we provide annual and short term policy options.
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.