Truck, deck and winch
Damage to the vehicle and its loading equipment.
Tilt Tray Insurance
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Tilt Tray Insurance
Cover for tilt trays carrying vehicles, machinery and equipment.
A tilt tray spends its working life carrying property that belongs to someone else. Whether that property is covered while on your deck is the question that decides most tilt tray claims.
What is it?
Tilt tray trucks use a hydraulically tilting deck and winch to load vehicles and machinery at ground level. Operators carry cars, forklifts, mini excavators, scissor lifts and containers for dealers, hire companies, builders and roadside contracts.
What does tilt tray insurance cover?
Property in your care
Vehicles and machines being carried, which standard liability generally excludes.
Loading and unloading liability
Incidents during winching and tilting, which is when most damage occurs.
What affects the cost?
- What you typically carry and its value
- Whether you handle plant as well as vehicles
- Roadside and accident work
- Operator experience
- Storage of carried items
Worth raising on the call
- Property in your care, custody and control is the cover to confirm before anything else.
- Damage during winching is common - check it is not excluded.
- Carrying machinery is assessed differently from carrying cars.
Claims we are commonly asked about
Machine rolls off during winching
A mini excavator being winched up the tilted deck slews or a strap slips and the machine comes off onto the road. The machine belongs to a customer or a hire company, so the claim generally sits outside the truck's own damage section.
Clearance strike with a load on the deck
A loaded tilt tray goes under an awning, a low bridge or a drive-through and the cab or boom of the machine on the deck makes contact. Both the carried item and the structure are typically damaged, and height measurement practices come under scrutiny.
Tie-down damage to a customer vehicle
Straps mark alloy wheels or a sill is bent where the deck edge contacts the body during loading. Individually small, these claims are frequent enough that condition photographs before and after loading are usually worth the two minutes.
Worth confirming in the wording
- Worth confirming whether the care, custody and control extension covers plant and machinery as well as passenger vehicles, since some wordings treat them differently.
- Worth confirming what limit applies per item and per load, particularly if you occasionally carry a machine worth more than the truck.
- Worth confirming whether damage occurring during winching, or caused by the cable, straps or chains, is dealt with on the same terms as damage in transit.
Common questions
Is the vehicle on my deck automatically covered?
Generally not. Standard motor cover responds to your truck and standard liability commonly excludes property in your care, custody or control, which is what a carried vehicle is. Cover for items on the deck is normally a specific extension with its own limit, subject to the policy terms.
What if I carry a machine worth more than my truck?
Then the per-item limit on the care, custody and control extension matters more than the truck's insured value. It is worth setting that limit against the most valuable thing you realistically carry, not the average. If high value plant is occasional, some operators arrange a higher limit only for those movements.
Do I need goods in transit cover as well?
It depends what you carry. Goods in transit or carriers liability generally deals with freight and cargo, while a care, custody and control extension deals with vehicles and machines being carried. Operators who do a mix of vehicle carrying and general freight sometimes need both, which is worth working through case by case.
What does tilt tray insurance cost?
It varies with what you typically carry and its value, whether you handle plant as well as cars, how much roadside and accident work you do, operator experience, whether you store carried items, the extension limits you select, the excess and claims history. No figure is meaningful without those details.
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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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.