How We Work, From First Call to Renewal
We start with how your operation runs and get to price after that. Once cover is in place, we stay with you through changes, claims and every renewal.
Step by Step, From First Call to Placement
The First Call
We ask about your operation: the trucks and trailers, what you carry, the contracts you work under and your claims history.
If you already have cover, we can go through how it is set up and whether it still suits. Adding a vehicle or insuring your first one is the same conversation, just a shorter one.
Your Asset Register
An asset register is a spreadsheet of everything you run. Asset number, registration, serial number, make, model, year and type, then the value and the accessories.
Most operators do not want to build one, so we help put it together.
Values and Gaps
We work through the values, the accessories and any unusual kit with you, so the policy reflects what is on the road.
Truck, trailer, cargo and liability cover are usually separate policies that have to work together. We check where one policy stops and the next starts, so nothing falls between them.
Going to the Insurers
We give specialist heavy vehicle insurers an accurate picture of your operation and ask them to quote. We can approach more than one.
Placing Your Cover
Placing means we arrange the cover with the insurer once you have agreed to the terms. How we are paid is set out for you in writing before you agree to anything.
Read the Product Disclosure Statement, the insurer's document that sets out what is covered and what is not, before you decide.
After Placement: Changes, Claims and Renewal
During the Year
Tell us when you buy, sell or change a vehicle. Some policies give thirty or sixty days of automatic cover on new equipment, depending on what the policy says. An item never added may not be covered at all.
New contracts and tenders count too. If you buy two tippers and start quarry work, the cover has to follow.
Toolbox Meetings
A toolbox meeting is a short on-site talk with your drivers. If you would like one, we can bring the local insurer or underwriter, the person who decides whether to take on your risk, along to talk with your drivers about the incidents they are seeing on the road.
When Something Goes Wrong
How we handle claimsWe notify the insurer, help with the paperwork and follow up the parts that stall. The insurer decides the claim under your policy, and we deal with them for you.
Renewal
We start about twelve weeks before expiry and want your answers back six to eight weeks out. That gives us time to get prices from more than one insurer instead of taking the first terms offered.
We review the insurer's loss reports, the record of claims on your policy, and ask how to do it better next year.
We know you are busy. But if a truck was never added and it is not covered, you will spend those same hours, and more, arguing about it after the fact.
What We Ask For at Renewal
On a fleet renewal, we usually ask for:
- Your asset register and current values
- Turnover
- Driver and prime mover counts
- Five years of claims history
- Any new contracts, tenders or changes to the work
Start With the First Call
Call us, or send a few details about your trucks and the work you do. The more Paul knows up front, the more useful his first reply will be.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.