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Forklift Insurance

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Forklift Cover

Forklift insurance NZ

At Gerrards, we understand the importance of keeping your business operations smooth and secure, especially when it involves essential machinery like forklifts. Whether you own a compact model or operate the latest high-end forklift, Gerrards is here to ensure your equipment is fully covered.

What Can Forklift Insurance Cover?

Forklift insurance is designed to protect your investment from a variety of risks, ensuring your business can continue to operate without unnecessary disruptions. This coverage can include protection against fire, theft, accidental damage, and loss of use. It also covers lost revenue while your forklift is out of action, third-party damage, and legal costs associated with these incidents. Having comprehensive coverage means peace of mind, knowing that your business assets are protected under various circumstances.

How much does Forklift insurance cost?

Forklift insurance premiums are calculated on several different factors including:

  • Types of cover selected
  • Sum Insured
  • Location 
  • Claims History 

Forklift insurance prices in NZ vary greatly. They are typically within the range of $30 to $120 to a month. 

How Do Claims Work?

When it comes to claims, Gerrards has you covered. Our in-house experts manage the entire claims process on your behalf, from the initial report to the final resolution. We advocate for your interests, ensuring you receive the best and fastest possible outcome. With Gerrards, you have a dedicated partner who understands the intricacies of insurance claims, working tirelessly to minimize the impact on your business operations.

How to Get Your Forklift Insured?

Securing insurance for your forklift is straightforward and flexible with Gerrards. You can choose the method that best suits your preferences:

  • Apply Online: Visit our website to fill out and submit an insurance application form.
  • Via Phone: Give us a call, and one of our friendly staff members will assist you with the insurance process.
  • Visit Our Office: If you prefer a face-to-face interaction, come by our office. We’re always ready to help you find the right insurance solution.

What to Watch Out for with Forklift Insurance?

When selecting forklift insurance, there are several key aspects to consider ensuring your coverage meets your business needs:

  • Forklift Cover Includes Costs of Hiring a Replacement: This ensures your operations can continue with minimal downtime in case your forklift is out of action.
  • Loss of Revenue Cover: If your forklift is specialized or essential to your business operations and cannot be easily replaced, this coverage compensates for the lost revenue during its downtime.
  • Disclosure of Dry or Wet Hire: It’s important to disclose to the insurer whether you are doing dry hire (renting out equipment without an operator) or wet hire (renting out equipment with an operator) as it affects your coverage.
  • Coverage in Transit: Ensure that your forklift is covered not just at the contract site but also while it is in transit between locations.

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