Recovery Truck Insurance

At Prime Cover Ltd, we design insurance policies which offer full comprehensive protection and are easy to understand. Companies, vehicles and staff all benefit from recovery truck insurance thanks to the protection it provides against liability, financial implications and specific risks associated with a commercial recovery business.

-Asset protection which covers damages to your vehicle.
-Policies tailored to the unique demands of your business.
-Competitive prices offering great value for coverage.

What is Recovery Truck Insurance and Who Needs it?

Recovery truck insurance is a cover specifically designed for vehicles involved in the recovery businesses, such as tow and breakdown trucks, and as they are used to transport disabled, damaged or illegally parked vehicles they require a distinct insurance policy.

Recovery truck insurance can apply to those who tow vehicles for any purpose whether breakdown, repair garages or vehicle delivery agents. There are many elements that recovery truck insurance needs to cover and some of the basics include:

  • Public liability.
  • Goods in Transit insurance.
  • Road risk insurance.
  • Damage to buildings and contents.
  • Theft of your vehicle.
  • Damage or theft of tools and equipment.
  • Customer vehicle protection.

There may be other features of your unique business requiring coverage, including personal injury protection for the truck operator and passengers, goods in transit insurance for any vehicles being carried aboard the truck and even garage cover for truck operators who store vehicles in a secured area.

The exact needs will vary depending on the nature of the business, legal requirements and the specific risks associated with the operation. Prime Cover is an expert motor trade insurance provider and can find you the recovery truck insurance quote you need to cover your unique operation.

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What Do You Get?

  • Vehicle Cover - Similar to standard vehicle insurance, designed to safeguard the recovery truck itself against risks like accidents, fire, theft and vandalism. Essential for protecting your business from significant financial loss.
  • Liability Insurance - Covers liability claims for bodily injuries or property damage to third parties. Protects against financial loss from injury claims.
  • On Hook Coverage - Protection against damage to vehicles whilst being towed. This helps address the unique risks associated with recovery trucks.
  • Business Interruption – This covers the company whilst a recovery truck is out of operation.
  • Public Liability Insurance - Covers any injuries or damages to members of the public caused by any business operations.
  • And more - Including goods in transit, road risks, employer’s liability insurance and legal expenses.

The Types of Recovery Truck Insurance Policies

A recovery truck insurance policy will most likely need a combination of insurance coverages, given the specialised nature of their work. A basic policy may be insufficient to protect your business fully, meaning an unexpected occurrence can increase your payments or even close your business down temporarily.

At Prime Cover, we ensure every recovery truck insurance quote is tailored to your precise business requirements and budget, so get in touch today with a friendly, expert member of our team.

Some of the main recovery truck insurance quotes might include the following cover:

1. Fully Comprehensive Cover

This will cover your recovery truck if it gets damaged in an accident, even if it was your fault, and also covers non-collision incidents, such as fire, theft, vandalism and weather/flood damage.

2. Third Party

This can often be the cheapest option to be able to legally drive your truck and will mean you have to prove any accident wasn’t your fault in a situation, in order that your own property is repaired or replaced.

3. Third Party Fire and Theft

This cover is the same as third party insurance cover, but extends to any damage caused by fire or the theft of your truck.

4. Public Liability

This will cover you against claims made by the public for bodily injury or property damage as a result of your business activities. It covers you from the cost of compensation claims.

5. Legal Expenses

Should you have to fight a liability claim you will have to pay out for the legal expenses which can become very costly, very quickly, so you can get them covered as a bolt on to your recovery truck insurance policy.

6. Fleet Insurance

If you have more than one truck operating in your business, then fleet insurance that covers all the trucks in your business can be much less complicated and more cost-effective.

Features of Prime Cover’s Recovery Truck Policies

Prime Cover takes pride in its ability to create customised recovery truck insurance policies that suit the unique requirements of each business's operations and needs. At Prime Cover Ltd, we offer policies which feature:

  • A customised approach to your company’s needs.
  • Tailor-made coverage that covers everything important to your business.
  • Discounts and extras such as windscreen cover, key care and excess protection.

Tailored Insurance Options

  • Extensive Policy Comparison

    We compare trade plate insurance, recovery truck insurance and all our other policies to ensure you’re receiving the most appropriate coverage based on your company’s specific needs. This includes comparing details to cover the key risk areas.

  • Cost Savings Guarantee

    Our cost savings guarantee not only protects you from potential risks but will help provide your business with long term savings.

  • Time-Efficient Solutions

    We offer time-efficient solutions by offering quickly processed recovery truck insurance quotes and providing 24-hour claims service.

  • Top-Rated Service

    We come highly rated for providing quick service, excellent communication and comprehensive coverage by those who matter most- our customers.

Why Recovery Truck Insurance Matters

Recovery truck insurance is essential for a variety of reasons. The unique nature of the operations they undertake is significantly different to regular trucks and vehicles. They aren’t just hauling goods; they’re transporting other vehicles and often under very challenging conditions.

A specialised recovery truck insurance policy can cover complicated scenarios where fault is difficult to assess. Towing businesses provide services such as roadside assistance and vehicle storage, which makes them susceptible to unique risks and challenges. Specialised equipment such as winches, hoists and flatbeds need to be insured in case of malfunction as they can prevent a truck and services from being operational.

When receiving a recovery truck insurance quote request, Prime Cover will offer a policy tailored to your combination of risks and critical roles to protect your business, employees and equipment. The importance of recovery truck insurance cannot be understated as it provides:

  • Specialised coverage
  • Legal compliance
  • Financial safety net

At Prime Cover Ltd, the team has over 40 years of experience in the insurance industry. We aim to deliver clear and concise communication without technical language. We know how important it is to have the right kind of insurance for your recovery trucks and breakdown recovery business– to protect your vehicles, equipment and staff.

Cost-Saving Advice for Your Recovery Truck Insurance

1. Choose Relevant Risks

Select only essential risks for coverage to tailor your policy efficiently. It’s important to assess these risks based on the likelihood and impact they could have on your business.

2. Security Measures

Enhance security with alarms, trackers and secure storage for lower premiums. The likelihood of theft and vandalism is a factor that can impact your rates.

3. Opt for Annual Premium Payments

Save on fees by paying annually, reducing administrative costs. Paying annually saves in comparison to monthly payments which may contain additional processing fees.

4. Explore Discounts and Bundled Packages

Seek discounts like no claims bonuses or multi-vehicle policies for cost-effective coverage that saves in the long term.


Recovery truck insurance is a specifically designed insurance product that covers all eventualities when operating a recovery truck business. It is specialised to this line of work and so differs from standard vehicle insurance.  

Recovery truck insurance is essential for individuals and businesses involved in the operation of recovery trucks, also known as tow trucks. This specialised insurance is necessary for a variety of entities due to the unique risks associated with towing and vehicle recovery services.  


Recovery truck insurance works by providing specialised coverage tailored to the unique needs and risks associated with operating recovery trucks.  

Recovery truck insurance covers a range of risks specific to the operation of recovery trucks, including vehicle damage, third-party liability, goods in transit, on-hook liability, property damage, personal injury, legal expenses, road risks, business interruption, employer’s liability and more.  

Recovery truck insurance can be obtained by a range of individuals and entities involved in the operation of recovery trucks, including towing companies, roadside assistance providers, independent tow truck operators, auto repair and body shops, car dealerships, salvage and auction companies and fleet owners.  


The period your insurance is valid will depend on the agreement you take out, but typically, insurance policies will last a year and then be renewed based on a newer quote. 

Recovery truck insurance is primarily designed for commercial purposes, focusing on the specific risks and liabilities associated with towing and vehicle recovery operations. Using a recovery truck for personal purposes under a commercial insurance policy can be complex and is subject to the terms and conditions of the specific policy and guidelines of the insurance provider.  

When applying for recovery truck insurance, certain documents are typically required to provide the insurer with adequate information to assess the risk and determine the appropriate premium. The required documents can vary depending on the insurance provider and specific policy, but typically they will include a driver’s license, vehicle registration documents, proof of business, vehicle inspection reports, business financial records and claims history.  


The cost of recovery truck insurance is calculated based on several factors that influence the level of risk associated with the operation of the truck. Insurance providers consider these factors to determine the premium. These factors include type and size of truck, age and condition of the truck, geographical location, nature of towing operations, frequency and distance of towing, claims history, business use, security measures and more. 


Choosing the right recovery truck insurance provider is crucial to ensure you have appropriate coverage for your specific needs and risks. Steps and factors to consider when selecting an insurance provider for recovery truck insurance include assessing your insurance needs, researching providers, price comparisons, comparing coverage options, checking financial stability and more. 


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