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A Help Guide on Tow Truck Insurance

  • Written by Daisy Bell

Do you have tow truck insurance requirements? If yes, then you have come to the right place. Reading this guide will help you to make the right choice.

Here you will find:

  • Tips For Choosing The Right Tow Truck Insurance

  • What Factors Do Insurers Consider?

  • Frequently Asked Questions About Tow Truck Insurance Requirements.

Let’s get the ball rolling!

Tips For Choosing The Right Tow Truck Insurance

  • To insure a tow truck vehicle, choose insurance that not only guarantees civil liability for traffic, but also for operating civil liability ( crane truck or extendable lifting arm, a tow truck with towing arm, rollback ).

  • Check that - Are the damage guarantees such as theft, fire, broken glass are available on the same contract or by separate contract?.

  • The insurance policy should also provide a cover for transported vehicles.

  • Additional guarantees that you can choose include roadside assistance, personal guarantee, and financial losses if leasing.

Bonus Tip: For workshop van insurance, it is important to plan to cover the repairer's tools remaining in the vehicle, against theft, fire, or in the event of destruction following an installment or a road accident.

What Factors Do Insurers Consider?

The insurer takes into account several influencing factors to offer you an insurance premium on your file. These factors generally include:

  • How old is the vehicle?

  • What is the mileage mentioned on the dashboard of the vehicle?

  • What is the history of company accidents and vehicle repairs?

  • Does the vehicle have a camera in operation and this, permanently? ( dashcam )

  • What are the driver training courses?

  • What is the experience and age of the drivers?

  • Is the follow-up of the safety instructions respected? (hours of rest vs hours of driving, overwork, etc.)

  • Is the maintenance of the vehicle fleet well monitored?

  • Is the logbook well completed?

  • Does the vehicle parking lot have a surveillance camera?

  • What will be the type of goods transported as well as their value?

Frequently Asked Questions About Tow Truck Insurance Requirements:

Can I pay my subscription in several installments?

Yes. You can pay your annual insurance premium at once or in monthly, quarterly, or semi-annual installments.

Can I upgrade my guarantees?

You can, of course, modify your contract or change the formula, at any time, on request from your Crédit Agricole advisor.

Can I avoid advancing the amount of the repairs?

In the event of a guaranteed loss, the insurance provider can pay the amount of repairs directly to the authorized garage or that of your choice.

What to do in case of disaster?

In the event of a claim or to benefit from 24/7 assistance services, you can contact your insurance provider by calling on their contact number.

You must report a claim to your insurance company as soon as you become aware of it and at the latest. In the event of theft or vandalism, do not forget to file a complaint with your police station within two working days. You will be asked for the certificate of the complaint.

In the event of natural disasters, you must declare it to the insurance company as soon as you become aware of it and at the latest within ten working days following the publication of the natural disasters. For all other disasters, you need to inform them within five working days.

If you have more queries on your Tow Truck Insurance Requirements, feel free to comment below!

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