Recovery Truck Insurance

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Compare Insurance Quotes from top UK’s leading vehicle recovery insurers including:

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Why Compare Recovery Truck Insurance With SimplyQuote?

We understand running a recovery truck business can be challenging and stressful and having to sift through multiple insurance quotes shouldn’t add to your workload.

Luckily, SimplyQuote‘s 100% free, online comparison tool is designed to do the heavy lifting for you, simplifying the process with the click of a button. Quickly compare multiple recovery truck insurance quotes from a wide range of UK insurance providers in a matter of minutes.

This level of freedom and flexibility gives you peace of mind knowing your trucks are covered with the right insurance plan; so you can focus on what’s important: running your business!

What Do You Need To Get A Quote?

Why Do You Need Recovery Truck Insurance?

What Does Recovery Truck Insurance Cover?

Looking for the cheapest recovery truck insurance? Get your quote today!

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What Levels Of Vehicle Recovery Insurance Can You Get?

There are three main levels of vehicle recovery insurance available:

Third-party only (TPO)

TPO is the lowest level of cover required by UK law. It protects you, your business and truck drivers if you’re in an accident with third-party vehicles or persons.

It does not cover damage or repair costs for your own vehicles.

Third-party, fire and theft (TPFT)

TPFT is a middle-ground level of cover on a recovery vehicle insurance policy. It includes basic TPO with the addition of paying out should your recovery vehicle be damaged by fire or stolen.

This policy still won’t compensate any costs incurred for your vehicles or drivers.


Fully comprehensive policies are a combination of TPO and TPFT levels and offer compensation to repair/replace your recovery vehicles even if you’re at fault. Additional benefits of comprehensive plans may include key replacement, personal belongings cover and goods in transit insurance.

It’s the highest level of recovery vehicle insurance you can get.

SimplyQuote is all about making motor trade insurance easy and affordable

What Optional Extras Are Available For Vehicle Recovery Truck Insurance?

Here’s a list of add-ons you can include in your vehicle recovery insurance policy:

Carriage of vehicles cover

This policy insures the vehicles you recover. This means your business is covered against any accidental damage to customers’ vehicles or in the case of unfortunate road accidents.

Goods in transit insurance

While this is not a necessity for recovery vehicle operators, you may want to add this to your insurance policy. It essentially covers any items (apart from the vehicle itself) that are transported while in your care.

Tools and equipment cover

Having a tool and equipment policy add-on will provide instant cover against any loss, theft or damage to the tools you use as part of your day-to-day operations – including whilst out on the road or on your business premises.

Business premises cover

This addition protects you if your business premises are damaged or destroyed, such as fire, flood, burglary or vandalism. You can opt for additional contents insurance to protect items inside your business premises such as computers, printers and other hardware or furniture.

EU Cover

If you recover vehicles from European countries (i.e. across the UK border), EU cover is a good add-on to have, for example if you have a franchise recovery vehicle business, offering services across Europe.

Combined recovery operator insurance

Combined recovery operator insurance (or combined motor trade insurance) is one step above standard road risks insurance cover. It offers further protection for recovery businesses in the event of a loss or claim.

Looking for cheap recovery truck insurance? Get your quote today!

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How Much Does Recovery Truck Insurance Cost?

How Can You Get Cheaper Recovery Truck Insurance Rates?

How To Compare Recovery Truck Insurance Quotes With SimplyQuote?

Finding a cheaper insurance policy for your recovery trucks is easy when you have SimplyQuote on your side:

  1. Fill in the quick questionnaire: Tell us about your business, the type of recovery vehicles you use and where you’re situated in the UK.
  2. Select optional extras: Choose any additional cover you want to include.
  3. Compare quotes: Quickly scour the insurance market for the best deal with SimplyQuote’s online comparison tool.
  4. Put more cash in your back pocket: Start saving money today!
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Frequently Asked Questions

What is recovery truck insurance?

Recovery truck insurance is a type of commercial motor trade insurance specifically designed for vehicle recovery businesses.

Why is having a recovery policy important?

Recovery insurance is important because it protects your vehicle recovery business from any unfortunate accidents, claims made against the business or loss/damage to property.

As a business, it’s a really good idea to have a good, comprehensive policy in place – for peace of mind and the security of your firm.

How do I switch my motor trade insurance policy?

To switch your motor trade policy, you’ll need to wait until your plan with your current provider expires, to avoid paying hefty cancellation fees.

Is it a legal requirement to have recovery insurance?

Some elements of a recovery vehicle insurance policy are required by law, such as:

  • Road risk cover
  • Employer liability insurance.
Do I need a special licence to drive recovery trucks?

Yes, anyone operating recovery trucks in the UK requires a category C1 or C-license.