Truck Insurance for Brokers


The Towergate Trucks is an NCD rated product designed for people running up to 5 trucks and vans (Mixed risks only. Vans alone are not acceptable). Underwriting capacity is provided by Equity Red Star (motor) and RSA (non-motor). The Towergate Trucks policy allows the insured to insure Vehicles, Property, Liability, Goods in Transit etc., all in one document with one renewal date.

**Risk Management discounts are available for forward-facing accident cameras and driver training. A range of training options are available from Towergate Safedrive.


  • Choice of Comprehensive, Third-party, fire and theft, Third-party only or Laid-up fire and theft. Different vehicles can have different cover
  • Includes cover for attached or accidentally detached trailers
  • Includes cover for the cost of defending actions under the Corporate Manslaughter and Corporate Homicide Act 2007 and the Health and Safety at Work etc., Act 1974
  • Limits of liability are: Unlimited bodily injury; £20,000,000 property damage for private type cars and £5,000,000 for damage caused by all other vehicles
  • Cover is provided for radio, cassette, compact disc, communication and navigation equipment permanently installed in the vehicle
  • Personal possessions up to £250 are covered providing the insured doesn’t also have personal possessions cover under the Goods in Transit Section
  • Personal Accident cover is provided for the occupants of the vehicle for up to £5,000 per person, £10,000 during the period of insurance
  • The policy also covers driver physiotherapy following an accident for up to £400
  • Cover includes Medical Expenses for occupants of the vehicle for up to £350 per person


  • Liability assumed under contract unless such liability would attach in the absence of such contract
  • The minimum accidental damage excess is £500. This is increased for young and inexperienced drivers
  • Theft where the keys have been left in or on the vehicle
  • Pollution and contamination, unless due to a sudden identifiable, unintended or unexpected event
  • Use of the vehicle for any purpose not permitted by the Certificate of Insurance
  • Loss, damage or liability happening beyond the limits of the carriageway caused by loading or unloading by any person other than the driver or vehicle attendant


Claims Process

We provide a comprehensive accident pack for each vehicle. Motor claims are reported direct to Equity Red Star using the 24-hour helpline numbers we provide. Non motor claims are reported direct using the following number: 0161 443 0775.