Forklift Insurance

Forklift Insurance

Specialist plant cover for counterbalance, reach and rough-terrain forklifts, in warehouses, yards, on site and on the road.

Specialist plant cover for counterbalance, reach and rough-terrain forklifts, in warehouses, yards, on site and on the road.

On-site & road use
12-month LOLER
Hired-in trucks
Cover for Every Forklift Type

Cover for warehouses, builders’ merchants, farms and industrial sites

Speak to a specialist 0330 808 1905

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

What is forklift insurance?

Forklift insurance is a plant policy covering lift trucks against theft, accidental damage and fire, whether they work in a warehouse, a yard or on site. Because forklifts work around people and stock, most businesses add liability cover too, and road use needs motor insurance.

Forklifts cause some of the most serious workplace injuries in the UK, so liability matters as much as cover for the truck itself.

Your forklift insurance depends on:

Type and lifting capacity
Where it works
Electric, diesel or gas
Number of trucks
Operator training records
Value and age of each truck
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Forklift cover for the way you work

Forklift cover for the way you work

Lift trucks work in very different environments, and insurers rate each one differently.

Lift trucks work in very different environments, and insurers rate each one differently.

Warehouses & Distribution

Counterbalance and reach trucks handling pallets and racking indoors.

Builders’ Merchants

Yard trucks loading vehicles and moving materials outdoors.

Construction Sites

Rough-terrain forklifts working on uneven ground.

Farms & Agriculture

Trucks handling feed, bales and produce around a farm.

Manufacturing & Industrial

Lift trucks moving components, stock and waste in production areas.

Multi-Truck Operations

Several forklifts across one or more sites on a single policy.

Where does your forklift work?

Where a truck operates decides what cover you need, and whether road risks apply.

Trade use

Indoor use

Best for

Warehouses and units
Electric counterbalance and reach trucks
Racking and pallet handling
Pedestrians working nearby
Delivery use

Yard and site use

Best for

Builders’ merchants and yards
Diesel and rough-terrain trucks
Loading and unloading vehicles
Outdoor storage and theft risk
Courier/ hire & reward

Road use

Best for

Crossing or using public roads
Moving between yards or units
Registered, taxed and lit trucks
Motor insurance required by law

Forklifts working around people?

Forklifts working around people?

Pedestrian injury is the most serious forklift claim. Make sure public and employers’ liability sit alongside your plant cover.

Pedestrian injury is the most serious forklift claim. Make sure public and employers’ liability sit alongside your plant cover.

Warehouse workers in safety vests operate a forklift moving wrapped pallets between tall shelves of boxed inventory.

One forklift or several?

Whether you run a single truck or a fleet across sites, cover can sit on one policy.

Single Van Insurance
Single Forklift

Best when

You run one lift truck
It works at a single site
You want a simple policy
One renewal date
Get a Single Truck Quote
Van Fleet Insurance
Forklift Fleet

Best when

You run several trucks
Trucks work across sites
You want one renewal date
Trucks are added or replaced
Explore Plant & Machinery Insurance

Protect more than just the truck

Depending on how you work, these covers can be added to a forklift policy.

Gold shield outline with a check mark inside on a black background, symbolizing security or protection.

Public liability

Covers injury to pedestrians, visitors and contractors, and damage to property.

outline of a gold forklift icon
Attachments

Clamps, jibs, rotators, extensions and man cages insured with the truck.

icon of 2 location marks in gold
Plant in transit

Cover while trucks are moved between sites on a trailer or low-loader.

icon of a damaged parcel in gold outline
Damage to goods handled

Stock and racking damaged during handling, usually covered by a goods in transit or contents policy.

Worker guides an orange forklift driving up a ramp onto a flatbed truck in an industrial yard with stacked pallets.

Operator training and inspections

Insurers underwrite forklifts on how they’re operated as much as what they are. Training records, thorough examinations and pedestrian separation all affect your terms.

Insurers expect trained operators and up-to-date examinations before they quote.

Get a Quote
Gold icon of a worker wearing a hard hat next to a gear, symbolizing engineering or technical services.
Trained operators

Operators should hold recognised training for the truck type, from an accredited body such as RTITB, ITSSAR or AITT.

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Thorough examination

Under LOLER a forklift needs a thorough examination at least every 12 months, or every 6 months if it is used to lift people.

Gold document icon with text lines and a small exclamation mark symbol indicating a warning or important notice
Daily checks

Pre-use checks, service records and defect reporting all help support a claim.

Gold icon of three simplified people figures, one in front and two behind, symbolizing a group or community.
Pedestrian separation

Segregating trucks and people on site is what insurers look for most in warehouses.

What affects the cost of forklift insurance?

Forklift insurance has no fixed price. It depends on the type and capacity of your trucks, where they work, any liability cover you add, whether they use public roads, your operators’ training and your claims history.

forklift truck with a gold outline

Type and capacity

A 2.5t electric counterbalance is rated differently to a rough-terrain or reach truck.

Gold overlapping map location pins icon on a black background

Where it works

Indoor warehouse use, outdoor yards and construction sites each carry different risks.

Gold pound sterling currency symbol on a black background.

Liability limit

If you add liability cover, insurers look at the indemnity limit you choose for injury and damage claims.

Yellow road emoji showing a straight highway with dashed center line on a black background.

Road use

Trucks registered for public road use need motor cover as well as plant cover.

Gold icon of a worker wearing a hard hat next to a gear, symbolizing engineering or technical services.

Operator training

Accredited operator training and records can improve your terms.

Gold icon of a document with text lines and an overlapping shield featuring a checkmark symbol.

Claims history

Insurers take previous injury or damage claims into account.

Advisers discussing van insurance cover

Why use Insurance Revolution for forklift insurance?

We arrange plant cover for single trucks and multi-site fleets, with liability built around how your site actually runs.

Specialist plant insurers
Experienced UK advisers
Liability alongside plant cover
Indoor, yard and road options
Attachments and man cages
Cover that grows with you

How to insure a forklift

How to insure a forklift

Tell us what you run, where it works and who operates it.

Tell us what you run, where it works and who operates it.

1

Tell us about your trucks

Types, capacities, values and fuel or power source.

2

Speak to an adviser

We’ll check sites, storage, road use and operator training.

3

Compare your options

We search specialist plant insurers for your cover.

4

Get covered on site

Choose your policy and receive your documents the same day.

We're with you all the way

UK-based specialist advisers
Access to specialist insurers
No obligation, just expert help

Running forklifts and other plant?

Running forklifts and other plant?

Lift trucks, telehandlers and site machines can go on one plant policy with a single renewal date.

Lift trucks, telehandlers and site machines can go on one plant policy with a single renewal date.

Yellow forklift and orange boom lift side by side on a plain background, with the boom’s basket raised above the forklift.

Trusted by contractors and plant owners across the UK

Trusted by contractors and plant owners across the UK

From a single forklift to a full plant fleet, our customers trust Insurance Revolution to get the right cover and expert support when it matters.

From a single forklift to a full plant fleet, our customers trust Insurance Revolution to get the right cover and expert support when it matters.

Forklift guides

Forklift guides

Practical advice on cover, compliance and claims for lift truck operators.

Practical advice on cover, compliance and claims for lift truck operators.

Can You Insure Special Types Vehicles?

Can You Insure Special Types Vehicles?

We specialise in insurance for business vehicles, from company cars to cherry pickers. Because of this, we have access to policies that other brokers don’t.

Read More

Forklift insurance FAQs

Forklift insurance FAQs

Straight answers on cover, cost, road use and inspections.

Straight answers on cover, cost, road use and inspections.

Forklift insurance covers the truck against theft, accidental damage and loss. Damage to the goods being moved, and injury to people around the truck, are covered separately under goods and liability policies.

Still not sure what cover you need?

Our plant specialists can match cover to the trucks you run.