Truck insurance is essential for both legal compliance and to protect the driver, vehicle, and business. Whether it is a private truck (serving the needs of a business) or a public truck (performing transport work on behalf of third parties), insurance coverage is crucial for the safety and continuation of professional activity.
We cooperate with the most reliable insurance companies in Greece and abroad, and after analyzing your needs, we propose solutions that combine full protection, specialized coverage and competitive costs, in order to ensure the smooth operation of your business without unforeseen events.
What does truck insurance cover?
Basic coverages (mandatory):
- Third-party liability for bodily injury.
- Third-party liability for material damage.
Optional coverages:
- Roadside assistance and towing.
- Legal protection.
- Fire and natural disaster coverage (flood, hail, earthquake).
- Theft coverage (total or partial).
- Glass breakage.
- Own damage (combined insurance).
Specialized coverages for commercial vehicles:
- Insurance of transported goods (during transport).
- Coverage of equipment and accessory mechanisms (e.g. cranes, refrigerators, forklifts).
- Insurance of loss of income from immobility due to damage.
- Vehicle provision replacement.
Factors that affect the cost
The cost of truck insurance depends on:
- The type of truck (private or public use).
- The gross weight and technical characteristics.
- The purpose of use (transportation of your own products or third parties).
- The age and experience of the driver.
- The traffic area.
- The history of damage/accidents.
- The optional coverages to be selected.
What is needed for insurance
To issue a truck insurance policy, the following are required:
- Vehicle registration license.
- A driver's license of an appropriate category.
- Police ID or passport.
- Tax number of the owner or company.
- In some cases, photos of the vehicle.
Useful notes
- Insurance of public use trucks may require additional coverage, as these vehicles perform transport work for third parties.
- Coverage of transported goods is crucial for those involved in commercial transport.
- For trucks with special equipment (refrigerators, cranes, forklifts), it is important to include coverage for accessory machinery.
- The right combination of coverage ensures not only protection of the vehicle but also of the business activity itself.
