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Digger Insurance
Digger Insurance
At 1st Choice, we specialise in finding and comparing the best digger insurance for our clients. Whether you operate a single mini digger for hire or a full fleet of industrial excavators, we can tailor a policy to suit your exact requirements. Our team of friendly and knowledgeable insurance specialists is ready to assist you. Talk to our friendly and knowledgeable team today by calling us on 03301 081615, or simply use our get a quote form to request a call back.
Get a quote in minutes!
Protect your digger and your business with specialist digger insurance from 1st Choice. Our team of experts will find the right coverage for your needs, ensuring peace of mind while you focus on your work.
Call our friendly, experienced team on 03442 348398 for any commercial insurance advice and a no obligation quote or you can use our Get a Quote form to request a call back.
What is Digger Insurance?
Digger insurance is a type of specialist vehicle insurance designed to protect your plant machinery and construction equipment. Diggers, whether mini excavators, tracked diggers, or heavy industrial excavators, can be high-value assets. Accidents or damage can be costly, both to your machinery and to surrounding property.
Our digger insurance policies provide comprehensive protection tailored to your needs. Coverage can include:
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Accidental damage: Protection if your digger is damaged in an accident.
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Theft and fire: Cover against the loss of machinery through theft or fire.
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Third-party liability: Protection for damage caused to property or injury to others while operating your digger.
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Public and employer liability: Optional extensions to safeguard your business against potential claims. If you employ staff, employers’ liability is a legal requirement.
At 1st Choice, we make it simple to get the coverage you need. We work with multiple specialist insurers, ensuring your policy is comprehensive, compliant, and tailored to your digger type and business operations.
Who Needs Digger Insurance?
Anyone operating a digger in a public or work environment should have appropriate insurance. Even small mini diggers can cause significant damage if an accident occurs. Our insurance policies are ideal for:
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Construction companies operating heavy machinery.
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Landscaping or excavation contractors.
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Plant hire businesses with mini diggers and excavators.
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Agricultural operations using diggers on farmland.
Our policies are flexible and designed to protect both the operator and surrounding people or property. No matter how unique your digger or operational setup, we can tailor a policy that fits your needs.
Did you know that over 98% of our clients rate us as ‘Excellent’ on reviews.co.uk? That’s why many of our clients come back to us year after year for their commercial insurance.
Benefits of Digger Insurance
Investing in digger insurance offers several key benefits for businesses and individual operators:
Financial Protection: Avoid large unexpected costs from repairs, theft, or accidental damage.
Legal Compliance: Ensure your operations meet insurance and legal requirements when operating diggers in public areas.
Business Continuity: Keep your business running smoothly, even if machinery is temporarily out of action.
Peace of Mind: Focus on your work without worrying about potential liabilities or damage.
Tailored Cover: Choose add-ons like public liability, employer’s liability, and coverage for unique machinery.
By having the right digger insurance, you reduce risks that could otherwise disrupt your operations and affect your bottom line.
Why Choose 1st Choice for Digger Insurance?
Standard vehicle insurers may not fully understand the requirements of plant machinery. That’s why working with a commercial insurance broker like 1st Choice makes sense. We can:
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Provide access to specialist digger insurance products.
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Ensure your policy matches the specific requirements of your machinery and operations.
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Offer competitive and tailored coverage, helping you avoid underinsurance.
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Work with some of the biggest specialist insurers in the industry.
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Offer fast quotations, instant cover, and digital policy documents.
We also insure other specialist vehicles, including:
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Road sweepers and refuse trucks
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Pickups, cherry pickers, and plant machinery
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Wedding and funeral cars
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Vintage, classic, and performance vehicles
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Agricultural vehicles
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Concrete mixers and HGVs
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Road surfacing equipment and steamrollers
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Any trade-specific vehicles
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Any trade-specific vehicles
Frequently Asked Questions about Digger Insurance
Can I insure multiple diggers under one policy?
Yes, we can provide fleet insurance for multiple diggers, offering consistent cover across your machinery.
Does digger insurance cover accidental damage to property?
Comprehensive policies can include third-party liability to cover accidental damage to property or injury to others.
Are older or unique diggers covered?
Yes, we can tailor coverage for unusual or older machinery. Contact our team to discuss specific requirements.
Can I add public and employer liability?
Yes, optional add-ons like public and employer liability can be included for complete business protection.
Does digger insurance cover hired-in plant?
Yes, optional hired-in plant cover can be included to help protect equipment you hire for short-term or long-term use. Speak to our team to confirm the level of cover you need.
Is my digger covered while being transported?
Many policies can include cover while your machinery is being transported between sites. This may vary depending on the insurer, so it’s best to speak with our specialists to ensure the correct cover is in place.
Will my policy cover me on multiple worksites?
Yes, most digger insurance policies provide cover across multiple locations, including various construction or agricultural sites. Be sure to confirm your typical operating areas during your quotation.
Does digger insurance cover mechanical breakdown?
Standard digger insurance typically covers accidental damage rather than mechanical failure. However, some policies may offer optional extensions. We can help you explore the most suitable options.
