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We compare combined plant hire policies from leading UK insurers
ALL-IN-ONE INSURANCE FOR PLANT HIRE BUSINESSES
Managing multiple insurance policies for plant, liability, employees and business interruption can be complex and time-consuming for plant hire businesses. A combined or package plant hire insurance policy brings all essential covers together under one coordinated policy.
Combined plant hire insurance is designed for businesses that hire out plant, machinery and tools and want broad protection with fewer gaps, simplified administration and clearer claims handling.
Insure24 arranges specialist package policies tailored to the size, structure and risk profile of your plant hire operation - from single-depot hire shops to regional and national fleets.
What Is Included in a Combined Plant Hire Insurance Policy?
- Plant & machinery insurance (owned plant)
- Plant hired out to customers
- Hired-in plant insurance
- Public & third-party liability insurance
- Employers’ liability insurance
- Theft, vandalism and accidental damage
- Goods in transit and delivery risks
- Business interruption & loss of hire income
- Optional legal expenses cover
Plant & Machinery Cover Within a Package Policy
At the core of any combined plant hire insurance policy is plant and machinery cover. This protects your owned equipment against theft, damage and loss while on hire, in transit, on site or stored at your premises.
- Excavators, diggers and dumpers
- Access platforms and lifting equipment
- Compressors, generators and power tools
- Rollers, compactors and small plant
- Optional UK-wide or site-restricted cover
Public & Employers’ Liability in One Policy
Combined plant hire insurance includes both public liability and employers’ liability, protecting your business against claims from third parties and employees.
- Injury to members of the public or site visitors
- Damage to third-party property
- Claims arising from hired plant and machinery
- Employee injury claims (statutory requirement)
- Flexible limits up to £10 million+
Business Interruption & Loss of Hire Income
If insured plant is stolen or damaged, your hire income can stop immediately. Combined policies can include loss of hire cover to protect your cash flow.
- Loss of hire income following insured damage
- Cover for ongoing fixed costs
- Customisable indemnity periods
- Protection during repairs or replacement delays
Why Choose a Combined Plant Hire Insurance Policy?
- Fewer gaps between separate policies
- Simplified renewals and documentation
- Clearer claims handling across all covers
- Cost-effective compared to standalone policies
- Easier compliance with hire contracts
Why Arrange Combined Plant Hire Insurance with Insure24?
- Specialists in plant hire & construction insurance
- Access to leading combined policy insurers
- Policies aligned with hire agreements and site rules
- Flexible limits, excesses and extensions
- Dedicated claims support for complex losses
“Moving to a combined plant hire policy simplified our insurance and saved us money across the fleet.”
Plant Hire Business – UKFREQUENTLY ASKED QUESTIONS
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What is combined plant hire insurance?
Combined plant hire insurance brings multiple covers - such as plant, liability, employers’ liability and loss of hire - into one coordinated policy.
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Is a combined policy cheaper?
In many cases, yes. Combined policies can be more cost-effective than purchasing multiple standalone policies, particularly for growing fleets.
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Does it cover hired-in plant?
Hired-in plant cover can be included to protect machinery you temporarily hire from other suppliers.
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Can cover limits be adjusted?
Yes. Combined policies are flexible and can be tailored to your fleet size, turnover and contract requirements.
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Who is combined plant hire insurance suitable for?
Combined policies are ideal for plant hire businesses that want comprehensive, streamlined protection with minimal administrative complexity.
Related Combined Plant Hire Guides
A combined package can be a practical way to group machinery, tools, premises and liability cover under one plant-hire programme. These guides help compare package structure with pricing, hire-contract exposure and the main operational risks plant hire shops face.