Plant Insurance
Protect your business with owned or hired-in plant insurance through Jensten Insurance Brokers.
What is Plant Insurance?
Plant Insurance is a special type of cover designed to protect construction, agricultural vehicles, and other specialist equipment such as forklifts, cherry pickers, diggers, and steam rollers.
It can cover your own equipment (owned plant) and ones you hire (hired-in plant) for use on-site and on public roads. A policy can be extended to include business-critical covers such as Public Liability, Employers’ Liability, and several other protections, making it useful for businesses using these machines.
If you’d like some Plant Insurance advice, or a plant insurance quote, then call Jensten Insurance Brokers on 0115 672 5661 or start your quote today.
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Plant Insurance
Plant Insurance can be a complex area of cover, so to help you get the protection you need, here are our frequently asked questions. We hope they are of use, but if you’d like some independent advice, please call us on 0115 672 5661, and the team will be happy to help.
It depends. If you want to drive plant machinery on the road, you will need a road risk element included in your Plant Insurance cover. This is essential to ensure you are legally compliant and protected against any incidents that might occur while your equipment is in transit on public roads.
Plant Insurance offers flexible, specialist protection against a range of risks on a single policy. Whether you need an Owned Plant Insurance or Hired-in Plant Insurance policy, it can protect your plant and equipment from theft, loss, accidental damage, fire, severe weather, and other insured events. Additionally, it often includes cover for transit, allowing your machinery to be insured while being transported between sites. This comprehensive cover is designed to give you peace of mind that your valuable plant equipment is protected wherever it is used.
Yes, you just need it to be part of your policy.
The cost of plant insurance will depend on factors such as the size of your business, whether you have employees, the location of your work, the type of work you’re doing, your business’s postcode, and your claims history. Other elements that can influence the plant insurance cost include the value and type of plant equipment you use, whether you hire or own the machinery, and the level of cover you require, including any add-ons like continuing hire charges or legal liability protection. For a tailored plant insurance quote that meets your specific needs, please call us on tel: 0115 672 5661, and the team will be happy to help.
For something to be classed as a plant vehicle, it will need to specify that on the logbook. This classification is important because it determines the type of insurance and legal requirements applicable to the equipment.
There are many ways you can potentially get cheaper plant insurance quotes. These include comparing quotes yourself or using an insurance broker to do the search and comparison for you. Choosing a specialist independent broker can save you from taking out unnecessary covers, ensuring your insurance products match your specific needs. Securing your equipment with anti-theft devices, limiting the number of drivers who operate the machinery, and opting to pay your premium annually rather than monthly can also help reduce costs. Additionally, some policies offer instant cover options for short periods, which can be cost effective if you only need plant insurance for a short period or specific hire agreement.
Yes, and some of the most common additional covers include:
Public liability insurance to protect against legal liability for property damage or injury to third parties
Contract works cover to protect your ongoing projects
Employers’ liability insurance, which is legally required if you have employees
Stock and materials cover to protect your business assets
Professional indemnity insurance for advice or consultancy services
Third-party working risks cover to protect against liabilities arising from work done on other people’s property