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Policy overview

Skip & Waste

Victor's commercial truck skip and waste solution is for risks with 1-7 commercial vehicles, 5T GVW and above, who are involved in skip hire, muckaway, scrap metal and general waste and recycling.

The policy includes
  • UK/EU breakdown assistance
  • Uninsured loss recovery
  • Windscreen repair and replacement
  • Options for Comprehensive and TPF&T cover
  • Laid up cover (as long as the vehicle is SORN and kept in a secure yard with a locked gate)
  • Foreign use both annual and temporary subject to prior agreement
  • Loss or damage cover for skips whilst attached or detached when taking out a skip and waste policy.
  • Cover for the carriage of hazardous goods up to a maximum of 5% of turnover, excluding classes 1 & 7, 2.1 & 2.3
  • Cover for vehicles up to a maximum of £200,000 gross train value
What we cover
  • Vehicles 5 tonne gross vehicle weight or above that require an operators licence
  • Vans including service vans when accompanied by a large heavy goods vehicle and do not makeup more than 50% of the overall risk
  • Continental use
  • Own goods use
  • New ventures – subject to sight of a 2 year claim free driving letter from the proprietor
  • Skip and waste, recycling and scrap metal dealers 
  • Non hazardous tanker operators
  • Tipper operators
What we normally decline
  • Concrete mixers
  • Breakdown and recovery vehicles
  • Van only risks
  • Carriage of hazardous goods exceeding 5% of turnover or whist carrying goods within categories 1 & 7, 2.1 and 2.3
  • Drivers under 21 years of age
  • Vehicles with performance related modifications
  • Risks without a valid operators licence 
  • Skip and waste risks without a valid waste carriers licence
  • Vehicles with “Q” registration numbers