If you're considering hiring or operating a cherry picker, understanding the insurance requirements is crucial. Cherry pickers, also known as mobile elevated work platforms (MEWPs), are essential tools for many industries, including construction, maintenance, and tree surgery. However, their operation comes with certain risks, which makes having the right insurance a vital part of safe and responsible use. 

Do You Need Insurance for a Cherry Picker in the UK?

 

Yes, having insurance for a cherry picker is strongly recommended and often required in the UK when you have an operating license. The type and extent of insurance will depend on whether you are hiring or owning the equipment, the nature of the work being performed, and the specific terms set by your employer or the site where the cherry picker will be used.

What Type of Insurance Do You Need for a Cherry Picker?

 

1. Public Liability Insurance: This covers any injury or damage caused to third parties while the cherry picker is in use. For example, if a cherry picker operator accidentally causes damage to nearby property or injures someone, public liability insurance can cover the associated costs. 

 

2. Employer's Liability Insurance: If you employ someone to operate the cherry picker, employer's liability insurance is a legal requirement in the UK. This insurance protects you if an employee is injured or becomes ill due to their work.

 

3. Hired-In Plant Insurance: If you are hiring a cherry picker, you will likely need hired-in plant insurance. This covers the cost of repairs or replacement if the cherry picker is damaged or stolen while in your possession.

 

4. Own Plant Insurance: If you own the cherry picker, own plant insurance is recommended to cover damages to the machine itself. This can protect against risks such as accidental damage, fire, theft, or vandalism.

 

5. Road Traffic Act Insurance: If the cherry picker is hired in London and driven on public roads, you will need insurance that complies with the UK Road Traffic Act. This is similar to motor vehicle insurance and is mandatory for all vehicles used on public roads.

Why Is Insurance Important for Cherry Pickers?

 

1. Risk Management: Cherry pickers operate at heights and in environments that can present significant risks. Insurance helps to manage these risks by providing financial protection in the event of accidents, damage, or injury.

 

2. Legal Compliance: Certain types of insurance, such as employer's liability insurance and road traffic insurance, are legally required in the UK. Having the right insurance ensures that you comply with legal regulations, avoiding penalties or fines.

 

3. Financial Protection: In the event of an accident, damage, or theft, the cost of repairs or compensation can be substantial. Insurance provides a financial safety net, helping to cover these unexpected expenses.

 

4. Peace of Mind: Knowing that you have the right insurance in place allows you to operate cherry pickers with confidence, knowing that you are protected against potential liabilities.

 

Insurance is an essential consideration for anyone using a cherry picker in the UK, whether for personal, business, or commercial purposes. By understanding the different types of insurance available and their requirements, you can make informed decisions to operate cherry pickers safely and responsibly and protect against financial loss, legal penalties, and potential damage to property or people. Here is a summary breakdown of the most common types:

 

- Public Liability Insurance: Essential for covering third-party damage or injury.

- Employer's Liability Insurance: Mandatory if you employ anyone to operate the cherry picker.

- Hired-In Plant Insurance: Required if you are hiring the cherry picker.

- Own Plant Insurance: Recommended if you own the cherry picker.

- Road Traffic Act Insurance: Necessary if the cherry picker is used on public roads.

FAQ’s

 

1. Do you need insurance to hire a cherry picker in the UK?  

   - Yes, most hire companies require you to have hired-in plant insurance to cover potential damage or theft.

 

2. Is public liability insurance necessary when using a cherry picker?  

   - Public liability insurance is strongly recommended to cover any injury or damage caused to third parties.

 

3. What does hired-in plant insurance cover for cherry pickers?  

   - Hired-in plant insurance covers the cost of repairs or replacement if the cherry picker is damaged or stolen while in your possession.

 

4. Is employer’s liability insurance required for cherry picker operators?  

   - Yes, employer’s liability insurance is legally required if you employ someone to operate the cherry picker.

 

5. What is own plant insurance, and do I need it for my cherry picker?  

   - Own plant insurance covers damages to the cherry picker you own. It is recommended to protect against risks like damage, fire, theft, or vandalism.

 

6. Do I need road traffic insurance for a cherry picker?  

   - Yes, if the cherry picker is driven on public roads, you need insurance that complies with the UK Road Traffic Act.

 

7. Can I operate a cherry picker without insurance?  

   - Operating a cherry picker without appropriate insurance is not recommended and may be illegal, depending on the situation and type of work.

 

8. What happens if I don’t have the right insurance for a cherry picker?  

   - Not having the correct insurance can result in financial loss, legal penalties, or being held liable for any damage or injury caused.

 

9. How do I know what insurance I need for a cherry picker?  

   - Conduct a risk assessment and consult with your insurer or hire company to determine the appropriate coverage needed for your specific situation.

 

10. Where can I get insurance for a cherry picker in the UK?  

    - You can obtain cherry picker insurance from specialised insurance providers who offer coverage for plant and machinery used in construction and industrial settings.