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Insurance • • • • • • • • • • • • • • •

30th January 2014
Page 9
Page 9, 30th January 2014 — Insurance • • • • • • • • • • • • • • •
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Which of the following most accurately describes the problem?

We're looking into the

possibility of employing a couple of young, recently qualified HGV drivers. We can't see anything on our insurance certificates that says they can't drive. Does this mean that the two lads we have in mind can drive our trucks without us having to first notify our fleet insurer? A Drivers' age restrictions

are not shown on certificates of motor insurance. Instead, they are shown in the policy wording or schedule, so check these carefully. If you require cover for anyone not currently authorised, your insurer must first be advised so that appropriate cover can be arranged. If you are in any doubt, it is best to ask your insurer or insurance broker for advice. We operate refrigerated

trailers. The refrigeration unit on one of those trailers recently broke down, leading to the contents having to be destroyed. Can we insure against this risk? A Refrigeration breakdown

over provides protection against this type of risk. Cover is normally only available for properly installed, serviced and inspected refrigeration equipment.

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