Top Tips to Reduce the Cost of Cherry Picker Insurance

Running cherry pickers for your business can be expensive and insurance is a necessary but sometimes overlooked cost. The good news? There are plenty of ways to reduce the cost of cherry picker insurance without compromising the quality of your cover.

Whether you’re a sole trader or managing a fleet of MEWPs, these practical tips can help you save on premiums while still protecting your business.

1. Improve Site Security

Theft and vandalism are some of the most common claims made on cherry picker policies, especially when machines are left unattended overnight.

To lower your insurance cost:

• Install immobilisers and GPS trackers

• Park in locked, well-lit compounds

• Use visible deterrents like wheel clamps or CCTV signage

• Consider security fencing or guard patrols for larger sites

Some insurers may offer discounts for enhanced security measures and better site protection reduces the risk of costly claims.

2. Keep LOLER and Maintenance Records Up to Date

Insurers favour well-maintained machinery. Ensuring your cherry picker is compliant with LOLER inspections and properly serviced shows you’re a low-risk operator.

• Schedule 6-monthly LOLER checks without fail

• Keep maintenance logs available

• Report defects or damage immediately

A well-documented history can prevent disputes during a claim and build trust with insurers, potentially lowering your premium.

3. Limit Unnecessary Road Use

If your cherry picker is mounted to a vehicle chassis and used on public roads, you’ll need road risk insurance, which often increases your premium.

If you only drive short distances or operate on private land:

• Let your insurer know, premiums may drop

• Remove unnecessary road cover if not needed

• Register the MEWP as plant, not a vehicle, if appropriate

Being accurate about how and where the machine is used avoids overpaying for unused features.

4. Only Insure What You Need

Are you paying for features you don’t use? A good broker can tailor your cherry picker policy to reflect your actual risk.

• Own vs hire: separate hired-in plant cover if needed

• Add or remove drivers from the policy

• Adjust indemnity limits to match your contract requirements

• Consider seasonal policies if you don’t operate year-round

Customising your policy ensures you’re not overspending on unnecessary extras.

5. Choose a Broker Who Understands Access Equipment

Generic insurance policies can include hidden fees or poor cover. Working with a broker who specialises in MEWPs or construction plant gives you access to:

• Specialist underwriters

• Better terms for trained operators

• Flexible payment options

• Accurate advice on liability and compliance

A tailored approach can save you money now and help avoid rejected claims down the line.

Final Word

Cherry picker insurance doesn’t have to break the bank. With the right risk management and honest advice, you can find competitive cover that protects your equipment, your staff, and your reputation, without overspending.