Legal, insurance and safety
How to make plant insurance claims for theft, damage and liability: first steps, evidence, working with adjusters, recovering from hirers and renewals.
Key takeaways
Make it safe
People first, then the machine and site.
Report
Police for theft or criminal damage; get a crime reference number.
Notify your broker or insurer
The same day if possible.
Preserve evidence
Don't repair or dispose of damaged items until agreed.
Tell the hirer in writing
If it happened on hire.
| Claim type | Evidence to gather |
|---|---|
| Theft | Crime reference, tracker logs, key records, proof of security measures, serial numbers |
| Damage on hire | Delivery and collection photos, condition reports, hirer's report |
| Third-party damage | Photos, witness details, what happened, who was operating |
| Injury | Accident report, RIDDOR report if made, RAMS, training records |
Good records from pre-delivery checks and condition reports make claims much easier.
Claim form
Complete it accurately; include all evidence.
Loss adjuster
For larger claims, an adjuster may inspect and interview.
Quotes
Repair quotes or replacement values as requested.
Settlement
Payment less your excess.
Close out
Update records and your asset register.
Under typical hire terms the hirer is responsible for loss and damage during the hire. Your insurer may pay you and then pursue the hirer, or you may recover the excess and uninsured losses yourself, such as lost hire. Keep the signed terms and evidence ready. See CPA conditions.
FAQs
Keep going
Plant hire insurance explained
The cover a hire company needs and the conditions that bite.
Read guide →
Accident, damage and near-miss reporting
Report, record and learn from every incident.
Read guide →
Theft prevention
Security, trackers, immobilisers, CESAR and key control.
Read guide →
Plant condition report template
Condition at delivery and collection.
Open template →
This guide is general information for people setting up a plant hire business in the UK. It is not legal, tax, insurance or financial advice. Rules and thresholds change, so check current guidance on GOV.UK and take advice from an accountant, solicitor or broker before acting.