Whether you run a warehouse, construction site, or manufacturing facility, forklift trucks are essential for moving heavy loads. But are they legally required to be insured? And what kind of cover do you need?
This guide breaks down who needs forklift insurance, what it includes, and why going without could be a costly mistake.
Is Forklift Insurance a Legal Requirement?
The answer depends on where and how the forklift is used.
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Private land only (e.g. warehouses, yards):
Insurance isn’t legally required, but highly recommended. -
Public roads or access areas:
Forklift trucks must be insured for road risk, even if only crossing between buildings or sites.
Key point: Even if your forklift doesn’t drive on roads, liability insurance is still essential to protect against injury or damage caused during use.
What Does Forklift Insurance Cover?
Typical policies include:
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Accidental damage (impact, tip-over, fire, etc.)
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Theft or vandalism
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Third-party liability – if someone is injured or property is damaged
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Hired-in plant cover – if you rent forklifts
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Transit cover – if your forklift is moved between sites
Policies can be tailored to electric, LPG or diesel models and whether you own, lease or hire the truck.
Who Needs Forklift Truck Insurance?
You should arrange cover if you:
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Operate a forklift for business use (e.g. logistics, building sites, retail warehouses)
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Own one or more forklifts used on your premises
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Hire in equipment for short- or long-term use
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Have forklifts crossing public roads between buildings or compounds
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Have staff operating forklifts under your management
Many site operators or contractors require proof of insurance before allowing forklift operations on site.
What Happens If I Don’t Have It?
Without cover, you could face:
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Liability for injuries or damage caused by forklift use
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Paying full repair or replacement costs after an accident
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Disputes with hired equipment providers (especially under CPA hire terms)
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Breach of contract or access denial from third-party sites
Forklifts are powerful, high-risk machines, even minor incidents can lead to expensive claims.
Final Thoughts
Even if not legally required, forklift truck insurance is a smart investment for any UK business using these machines. It protects your assets, your staff, and your liability and keeps your operations running without interruption.
