Concrete mixer cover
Concrete mixer lorry insurance for ready-mix delivery
Drum mixers on contract to a ready-mix supplier or delivering your own concrete. Fill in one short form to be put in touch with specialist brokers who handle mixer truck risks.
- Six and eight-wheel mixers
- Owner-drivers to fleets
- Contract or own concrete
Quick answer
Concrete mixer lorry insurance is HGV insurance for truck-mounted drum mixers that deliver ready-mixed concrete, usually six or eight-wheel rigids. Insurers price it on the mixer and its drum, how much time is spent on building sites, who drives, and whether you deliver for a ready-mix supplier or carry your own concrete. Many operators also hold public liability (opens in a new tab) for spills and damage while discharging on site.
Mixer insurance at a glance
- Cover for drum mixers from a single owner-driver on contract to a fleet of ready-mix trucks.
- A loaded drum raises the centre of gravity, so stability and driver experience matter to insurers.
- Contract deliveries for a ready-mix supplier and your own concrete are insured under different classes of use.
- Drums, chutes and conveyors are valuable equipment that insurers usually ask about.
- Volumetric mixers and mobile batching plants are insured differently from drum mixers.
What concrete mixer insurance covers
A mixer policy is a goods vehicle motor policy that also takes the drum, its drive and the site work into account. Mixers can be insured comprehensive, third party fire and theft, or third party only, though most operators with a valuable drum choose comprehensive.
Mixer types and what insurers look at
The type of mixer and the way it works tell an insurer a lot about the risk. These are the mixer types insurers see most often in the UK.
| Mixer type | Typical work | What insurers look at |
|---|---|---|
| Eight-wheel drum mixer | Ready-mix deliveries from a batching plant to building sites | Time on site, driver experience, stability with a full drum |
| Six-wheel drum mixer | Smaller pours and tighter urban sites | Site access, reversing, kerb and driveway damage |
| Mixer with conveyor | Placing concrete where a chute will not reach | Value of the conveyor, use near people and property |
| Smaller rigid mixer | Short local runs and small pours, often for builders and landscapers | Who drives, licence category, overloading |
Running a different concrete vehicle? These are priced differently: see volumetric mixer insurance, mobile batching plant insurance and concrete pump lorry insurance.
Contract deliveries or your own concrete: why it matters
A mixer delivering concrete for a ready-mix supplier is insured differently from one owned by the concrete producer itself. If the class of use on the certificate does not reflect contract deliveries, an insurer may refuse a claim made on one.
Owner-drivers on contract
Delivering a supplier's concrete for payment is haulage, also called hire and reward. The supplier's contract may also set what cover you need. See owner-driver HGV insurance.
Concrete producers
A firm delivering its own ready-mix in its own mixers usually needs carriage of own goods. See own goods cover.
Which class of use covers delivering concrete for a supplier?
- NoSocial, domestic and pleasurePersonal use only. No commercial work.
- NoCarriage of own goodsYour own concrete in your own mixer. Not loads for a supplier.
- YesHaulage, or hire and rewardDelivering concrete for a ready-mix supplier or customer for payment.
Have your licence and contract details ready
Insurers usually ask for your operator licence details and, for contract work, what the supplier requires you to insure. Where an operator licence is needed, a restricted licence covers your own goods only and work for others needs a standard licence. It helps to have this to hand when you start a mixer quote (opens in a new tab).
What affects the price of concrete mixer insurance
Mixers combine a heavy, moving load with regular site work, so insurers look closely at both the vehicle and the way it is driven.
On site
Soft ground, reversing into tight spaces, overhead cables and pouring close to people and property all add risk.
On the road
A full drum raises the centre of gravity and shifts on bends and roundabouts, and loads are time-critical before the concrete sets.
- Driver age and experienceYears holding a C licence and time on mixers usually matter more than age alone.
- Value of the mixer bodyDrums, drives and conveyors can add a lot to the value of the chassis.
- Where the mixer is keptA batching plant or locked yard is usually viewed more favourably than the roadside.
- Safety equipmentCameras, reversing aids and stability systems may be taken into account by some insurers.
- Claims historyPrevious mixer claims, especially on-site incidents, and any lorry no claims discount you can show.
- Number of mixersSeveral mixers may be better placed on HGV fleet insurance.
Cover that often sits alongside mixer insurance
The motor policy covers the mixer and the people it might hurt on the road. These cover the gaps ready-mix work tends to create.
Before you buy
Questions worth asking about a mixer policy
Two mixer quotes at a similar price can cover very different things. These are the points mixer operators most often ask the broker about.
- Is the mixer covered while discharging?And is damage caused while pouring handled by the motor policy or public liability?
- Is off-road and site use included?Building sites and batching plants are private ground, and cover there is not always the same as on the road.
- What if the drum stops turning?Cover for a failed drum drive, and for removing concrete that sets inside, varies between policies.
- Is the conveyor or chute covered?Including damage to the equipment itself and anything it hits.
- Who is allowed to drive?Named drivers, any driver, minimum ages and years on a C licence vary.
- Does it meet the supplier's contract?Ready-mix suppliers may set their own insurance terms for owner-drivers.
- Is a replacement mixer offered?Without one, an accident can mean lost contract days while the lorry is off the road.
- Does the class of use match?Contract deliveries and own-concrete work are declared differently.
How it works
How to get a concrete mixer insurance quote
HGV Insure is an information site, not an insurer or a broker. We link you to MyMoneyComparison.com, a comparison service that can match operators with brokers who handle mixer truck risks.
- 1
Start your quote
Choose Get my mixer quote to continue to our partner, MyMoneyComparison.com.
- 2
Describe the mixer and the work
Choose concrete mixer as the body type, then enter the weight, operator licence, how it is used and who drives.
- 3
Compare and decide
A specialist broker contacts you with options, subject to insurers' acceptance criteria. There is no obligation to buy.
FAQs
Concrete mixer lorry insurance FAQs
What is concrete mixer lorry insurance?
It is HGV insurance for truck-mounted drum mixers that carry and mix ready-mixed concrete. It covers the mixer on the road and, depending on the policy, while it works on site and discharges its load.
Do owner-drivers on contract to a ready-mix supplier need their own insurance?
Usually, yes. Many suppliers expect owner-drivers to hold their own lorry insurance with haulage use, and their contract may set what it must include. It is worth checking the contract and sharing it with the broker. See owner-driver HGV insurance.
Is a cement mixer lorry the same as a concrete mixer for insurance?
Usually, yes. Cement mixer is the everyday name for a concrete mixer lorry, also called a mixer truck or truckmixer. Cement is one ingredient of concrete, though, and a cement lorry can also mean a bulk powder tanker, which is a different vehicle insured as a tanker. See tanker insurance.
Does mixer insurance cover concrete spilled on a customer's property?
The motor policy covers accidents on the road. Concrete spilled or splashed while discharging on site, onto a drive or a car, is often treated under public liability (opens in a new tab) instead. It is worth asking how both policies handle discharging.
What happens if the drum stops turning with a load inside?
Cover for a failed drum drive, and for removing concrete that sets inside, is uncommon and varies between policies, so it is a point for the broker to confirm before you buy.
Is a volumetric mixer insured the same way as a drum mixer?
Not usually. A volumetric mixer carries dry materials and mixes on site, so insurers look at the mixing equipment and site work differently. See volumetric mixer insurance.
Can I insure a mixer as a new operator?
Yes, some insurers accept new operators and owner-drivers with no claims history in their own name, usually with more questions about driver experience and the contract. See new operator HGV insurance.
Can I put several mixers on one policy?
Yes. Once you run two or more lorries, many operators move to HGV fleet insurance, with every mixer on one policy and one renewal date.
Does HGV Insure sell concrete mixer insurance?
No. HGV Insure is an information site and an affiliate of MyMoneyComparison.com, a comparison service that gives operators a gateway to specialist brokers. When you start a quote you continue to MyMoneyComparison.com, and we may be paid a small commission if you are matched with and speak to a broker.
Ready to get your mixer covered?
One form, specialist HGV brokers, no obligation.
Get my mixer quote (opens in a new tab)HGV Insure is an information website and an affiliate of MyMoneyComparison.com. We are not an insurer or an insurance broker and do not give advice. MyMoneyComparison.com is a comparison service that gives consumers and businesses a gateway to specialist insurance brokers, and is authorised and regulated by the Financial Conduct Authority (FRN 916241). HGV Insure may be paid a small commission by MyMoneyComparison.com if you are matched with, and speak to, a broker. Cover is subject to each insurer's terms and acceptance criteria. Compliance · About us · Contact