- Insured Defence has specific Income Protection Insurance For Truck Drivers at great rates.
- Cover starts from £22 per calendar month
- Cover up to 75% of your current provable earnings
- Employed and self-employed professional drivers
- With a successful claim, get paid within 30 days
- HGV and Lorry drivers included
Income Protection Insurance For Truck Drivers in 2024
There are several things to consider when it comes to protecting your income. Perhaps the most important is whether or not you have income protection coverage in place. If you are a company director or self-employed lorry driver, you can also get protection.
Income protection cover is designed to provide a replacement income if you cannot work due to illness or injury. Income protection for lorry drivers can be very affordable and can help protect your mortgage payments, car finance and other essential monthly outgoings.
Income Protection Insurance For Truck Drivers
Truck drivers are one of the most essential workers in our economy, transporting goods and supplies nationwide. But their job can be a dangerous one, and accidents or illness can quickly lead to lost income. That’s where income protection insurance comes in.
Income protection insurance replaces a portion of your lost income if you’re unable to work due to an injury or illness. It can help you cover your living expenses and keep up with your bills while you cannot work.
Income protection insurance companies
A few different types of income protection policies are available, but they all share one thing: they pay out a percentage of your lost income up to a maximum benefit amount. The benefit amount and payout period will vary depending on the policy, but most policies will pay out for up to two years.
Income protection insurance can be an essential safety net for truck drivers, helping them stay afloat financially if they cannot work. If you’re a truck driver, make sure you understand the different types of policies available and how they could help you in the event of an accident or illness.
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Some of the most common deferred delays of TSB income protection policies, Barclays Bank income protection with the flexible return to work terms, Post Office nurses long period income protection insurance, Legal & General high earners income protection peace of mind insurance, Royal Bank of Scotland income protection with a flexible return to work terms and Nationwide short term income protection policies are 22 days, 29 days and 42 days.
Different Types of HGV, Truck and Lorries
Heavy Goods Vehicles (HGVs), trucks, and lorries are essential in our modern economy. They are crucial in transporting goods across the country and beyond, keeping goods moving and businesses running. These vehicles have many different types, ranging from small vans to large articulated lorries. Let’s take a look at some of the most common types of trucks and lorries on the roads today.
Vans—Vans are the smallest type of HGV, usually used by tradespeople or small businesses to transport goods locally. They usually have smaller payload capacities than other trucks but are easy to drive and manoeuvre.
Box Trucks – Box trucks are larger than vans but still relatively small compared to other types of HGVs. They typically have a box-shaped cargo area at the back for storing items and can be either rigid or articular, depending on their size.
Tipper Trucks – Tipper trucks are hinged at the back to tip their cargo out onto the ground as required. This makes them ideal for materials like gravel or soil that must be discharged quickly when unloading.
Flatbed Trucks – Flatbed trucks are larger HGVs with a flat open cargo bay at the back with no sides or roof. These lorries can easily carry bulky items such as machinery or containers due to their open design, making them great for transporting large loads over long distances.
Articulated Lorries – Articulated lorries combine two parts – a cab section and a trailer section – connected by a flexible joint called an articulation point. This allows them to turn more sharply when manoeuvring around tight corners, although they do require more skill to drive than regular HGVs due to their size and weight.
Specialist Vehicles – Besides these more common vehicle types, specialist vehicles are also designed for specific purposes such as construction work or firefighting operations. These specialized vehicles often feature unique designs that make them suitable for their intended purpose and help make difficult tasks safer and easier to complete.
No matter what type of truck or lorry you are looking for, there is sure to be one available that meets your needs for safely and efficiently carrying goods over long distances.