Truck and box body
Damage to the chassis, the enclosed body, roller door and tailgate loader, including impact damage to the roof and corners.
Pantech Truck Insurance
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Pantech Truck Insurance
Cover for pantech box trucks used in removals, furniture delivery and freight.
A pantech is a tall, flat-sided box on a truck chassis, and that shape drives its claims. Awnings, drive-through carparks, low bridges and loading docks account for a large share of pantech damage, and crosswinds on open highway matter when the body is empty. What is inside the box is usually someone else's property, which is a separate conversation again.
What is it?
A pantech is a rigid truck with a fully enclosed cargo body, often fitted with a tailgate loader and internal tie rails. Removalists run furniture pantechs with padded linings and blanket racks, while retail and general freight operators use them for palletised multi-drop work. Sizes run from 4.5 tonne units a car licence holder can drive up to heavy rigid pantechs.
What does pantech truck insurance cover?
Goods you are carrying
Customer furniture and freight is generally addressed by carriers liability or goods-in-transit cover, not the motor section.
Loading and handling liability
Third-party injury or damage while loading, operating the tailgate loader or moving goods on a customer's property.
What affects the cost?
- Body height and whether the truck is under 4.5 tonne GVM
- Removals, retail delivery or general freight work
- Value of a typical load carried
- Tailgate loader fitted and its capacity
- Driver experience and claims history
Worth raising on the call
- Height strikes are the most common pantech claim, so the true travel height belongs in the cab where the driver can see it.
- Household goods in a removal are usually handled under a different section from the truck.
- An empty pantech in a strong crosswind behaves very differently to a loaded one.
Claims we are commonly asked about
Roof strike in a drive-through carpark
A furniture pantech follows a car park entry ramp that clears a sedan but not a 3.8 metre body, peeling the front roof edge and buckling the frame. The centre generally claims for the structure while the truck is off the road, so one moment of inattention produces two claims.
Tailgate loader tips a customer's fridge
A tall appliance goes over as the tailgate loader reaches ground level, damaging the fridge and cracking the customer's paving. Damage to the goods in your care and damage to the customer's property generally sit under different sections with different limits.
Water gets in through a damaged panel
A corner scrape opens a seam and rain soaks a load of packed cartons over a wet weekend before anyone notices. Whether that is treated as sudden damage flowing from an insured event or as gradual water ingress is generally the deciding question.
Worth confirming in the wording
- Worth confirming whether damage from striking an overhead structure, bridge or awning is covered on the same terms as other collision damage, and whether an additional excess applies to it.
- Worth confirming how customer household goods and freight are addressed, because carriers liability and goods-in-transit sections commonly carry their own limits and conditions around packing, fragile items and unpacked goods.
- Worth confirming how water damage to goods from a leaking or damaged body panel is treated, since that can sit close to the line between sudden and gradual damage.
Common questions
Does my truck policy cover a customer's furniture?
Generally not under the motor section. Goods belonging to customers are usually addressed by carriers liability or goods-in-transit cover, which is separate and has its own limit and conditions. Removalists in particular are commonly expected to hold that cover before taking on work.
Am I covered if I hit a low bridge or awning?
Height strikes are usually treated as accidental damage, but some policies apply a specific excess or condition to overhead impact, so the wording matters. The practical control is having the true travel height measured and displayed in the cab where the driver can see it. Repeated strikes will affect renewal terms regardless of cover.
Do removalists need cover beyond the truck?
Usually yes. A removals operation typically needs the vehicle covered, the customer's goods covered while in transit and in storage, and public liability for work inside people's homes. Each of those is a different section or policy, so it is worth mapping them together rather than one at a time.
What does pantech truck insurance cost?
It depends on the truck and the work. Body height and GVM, whether the work is removals, retail delivery or general freight, the value of a typical load, whether a tailgate loader is fitted, and driver experience and claims history all move it. A broker can compare the same profile across insurers.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See truck insurance for the wider picture.
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