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FAQS for Third Party Road Risks Insurance (Mobile Plant)

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What is Third Party Road Risks Insurance?

If your machine travels on Public Roads, under the Road Traffic Act, it needs Third Party insurance. It is sometimes known as Third Party only insurance.

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Does my machine have to be Road Registered (have a registration plate) to need Third Party Road Risks Insurance?

Not necessarily, if your machine is registered and taxed for the road, it will need to be insured. (If a vehicle is taxed, it must be insured and vice versa) however there are some circumstances where the Road Traffic Act definition of a Public Highway means that your machine might technically be on a Public Road even though it’s a work site. Eg If you are working on a housing estate and some of the houses are occupied with residents driving to and from them through where you might be working. Because the public has access to this area, this would be classed as a public highway and if you caused damaged to a car with your mini digger for example, this could be a Road Risks claim even though the mini digger is not registered for the road.

We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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If I hire in items of Road Registered Plant in under CPA Conditions, am I responsible for the Road Risks aspect of the Insurance even though I don’t own it?

Yes you are. This is something that is very often overlooked by Insurance Brokers. Many people think that because they’ve got hired in plant insurance that they’re fully covered but they are not. JCB Insurance can arrange ‘open’ insurance to cover your legal requirement to have Third Party cover for hired in plant travelling on public roads?

We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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My machine is registered and taxed for the Road, do I need to have it Insured for the Road as well?

Yes you do. Under the Government’s ‘Continuous Insurance Enforcement’ legislation if your machine is taxed for the road, it need to be insured as well – and vice versa. If you do not have the machine insured, you need to SORN it otherwise you risk fines.

We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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Is there a minimum distance I can travel on public roads without needing to have third party road risks insurance?

No. Put simply, if the machine travels on the public highway, even if that is just crossing the road, it needs to be insured for use on the road.

d to chat it through? Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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If I have the correct CPCS qualification (ticket) to operate the machine does that mean I can drive it on public roads?

No, You need to have the correct entitlement on your Drivers’ licence. Usually, if you have passed a regular car driving test (Category B) you’ll get entitlement to drive Agricultural Tractor (Category F) this covers most items of Plant equipment which are registered as ‘Specialist Vehicles’. If in doubt however, please check with the DVSA

We’d be happy to talk it through with you. Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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My machine is taxed and insured to travel on the public highway, if I damage another contractors’ van on site with the machine, will the Road Risks insurance cover me?

If the accident was on a construction site where the public does not have unrestricted access then the Road Risks insurance will probably not cover this. This would more likely be classed as damage to third party property which would be covered by your Public Liability Insurance.

Prefer to chat it through? Click contact us and we’ll get in touch however you prefer- phone or email or call 0800 141 2877

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