The differences between truck and truck insurance
Although it is still a truck , truck insurance is different from truck insurance in the most common sense of the term. In fact, truck insurance over 35 quintals presupposes that this type of vehicle is used only for professional purposes . In fact, it is quite rare for someone to own a truck for private use!
Since these are professional vehicles, truck insurance usually does not cover the use of the vehicle during non-working hours or days and above all the transport of third parties not involved in the activity for which the transport is carried out. If, on the other hand, you also want to have these coverage, you must explicitly request them when signing the policy, but it is not obvious that insurance companies offer this specific coverage.
Truck insurance and ancillary coverages
Truck insurance over 35 quintals includes civil liability coverage , but may also have ancillary coverage , more or less recommended depending on use and professional sector.
One of the most common accessory coverage for truck insurance is that relating to damage caused to third parties during the loading and unloading of goods. This is especially recommended if these operations do not take place indoors such as construction sites or warehouses, and may involve other people or vehicles (such as parked cars if unloading or loading takes place on the street).