We all know accidents happen. Some accidents can be more costly than others, especially when it comes to ground-care and plant machinery. HireGuard Insurance is there to act as a safety net, to give you peace of mind should the worst happen.

In this section we cover all the information you need to know about HireGuard Insurance.

If you would like any further information, please contact us or call into either our Burnley or Wakefield depots to speak with us about HireGuard.

What is HireGuard?

HireGuard Insurance is an insurance policy that we can offer you, designed specifically for the hiring of ground-care machinery, tools and equipment. In short, it covers you against damages and theft of machinery whilst on hire to you.


Summary of Cover

Property hired out under HireGuard Insurance is covered for:

  • Physical loss or damage at any situation in Western Europe (or other geographical areas as agreed with insurers) including whilst in transit between such situations.
  • A limit of liability up to £100,000 any one ocurrence with no Single Article Limit.
  • Full replacement value for all property up to 24 months old; property replaced to nearest higher specification when necessary; property more than 24 months covered on an indemnity basis.

Principle exclusions:

  • Policy excess.
  • Continuing hire charges and any loss which happens as an indirect result of an event for which you are insured.
  • Loss or damage to cutting edges (other than diamond cutting systems), tools, trailing cables, flexible pipes other than:
    1. When such loss or damage results during operation of the complete item of insured property.
    2. When such loss or damage results from the total loss of the complete item or items of insured property.
    3. When such attachment is a separate item specified on a contract note.
    4. When it is a standard part of the equipment package supplied and cannot in normal circumstances be omitted from such equipment package.
  • Loss or damage whilst in or on a vehicle unless:
    1. All doors are locked and windows/openings are closed and securely fastened whilst unattended.
    2. Property is securely mounted or fixed to the vehicle or kept in a suitable container whilst in transit.
  • Loss or damage due to:
    1. Cleaning or failure to clean and conduct of routine maintenance of the property.
    2. Breakdown or breakdown prior to commissioning or wear and tear.
    3. Wilful act or neglect.
    4. Derangement.
  • Any difference between any claim payment and any sum payable under Hire Association Europe terms and conditions.
  • Loss or damage to property on the first insured’s premises when not under a contract with HireGuard to the second insured.
  • Loss or damage due to fraud or dishonesty of employees.
  • Equipment not collected 72 hours after being officially accepted as “off hire” (excluding Sundays and Bank Holidays).
  • Inventory losses and unexplained losses.
  • Loss or damage to brittle items unless loss or damage of the consignment occurs during the operations of packaged pending loading or transit, during loading, transit or unloading or packaged pending unloading.
  • Legal Liability for injury to third parties or damage to their property.
  • Loss by fraud or theft if security checks have not been undertaken as specified.
  • When more specific insurance has been arranged by a representative of the first insured.
  • Loss or damage caused by multiple lifts which are not carried out in accordance with BS7121.
  • Pollution or change in water table.
  • Terrorism.

This is a summary of cover only and is not intended to replicate full policy Terms and Conditions and should not be relied upon. Master policy can be viewed at the offices of HAE Insurance Services. A copy is available on request.


How much does it cost?

Policy Cost

The cost of taking out a HireGuard policy is simple, 15% of the base hire cost.

For example, if the cost of hiring a 6" wood chipper for a day came to £100 the HireGuard insurance policy would cost £15.


Excess Charges

In the event of a claim being made, you will be subject to the following excess charges:

Claim Value


£1 – £500 £25
£501 – £1,000 £50
£1,001 – £2,000 £75
£2,001 – £2,500 £100
£2,501 – £5,000 £250
over £5,000 £500

If you would like the costs of taking out a policy or the excess charges explained in more detail, please contact us or call into either our Burnley or Wakefield depots to speak with us.


How do I get covered?

Information we require

If you have decided that our HireGuard Insurance Policy is suited to your needs and would like to take out cover, you will need to provide us with the following:

  • Your full name
  • Contact details (telephone, address, email etc..)
  • Site address
  • 1 x photo identification (e.g. driving license or passport)
  • 2 x proof of address (e.g. bank statements, utility bills)

A photo-card driving license can be used as one of the two proofs of address as well as the photo identification.


What we do with this information

The information we collect from you is stored according to our privacy policy. We only pass on your information to the insurers for the purpose of validating the policy.



Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. It requires us to give you this information.

Please read the following information to decide if our services are right for you.

  1. Whose products do we offer?

    We only offer a single insurance product: HireGuard from Zurich Insurance PLC to cover hire equipment.

  2. Which services will we provide you with?

    We will not offer any advice and you will need to make your own decision regarding the suitability of any policy of insurance purchased.

  3. What will you have to pay for our service?

    We normally receive a commission from the insurer with whom we place your business and in addition we charge an arrangement fee of: £0 (zero).

  4. Who regulates us?

    Balmers GM Ltd is an Appointed Representative of Jelf Insurance Brokers Ltd (Reg No. 0837227) who is authorised and regulated by the Financial Conduct Authority (FCA).  HAE Insurance Services and EHA Insurance Services are trading names of Jelf Insurance Brokers.

  5. What to do if you have a complaint?

    Our aim is to provide a first class service, however if you wish to register a complaint please contact:

    Complaints Department
    Jelf Insurance Brokers Ltd
    Hillside Court, Bowling Hill
    Chipping Sodbury
    Bristol, BS37 6JX

    If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

  6. Are we covered by the Financial Compensation Scheme (FSCS)?

    We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
    Further information about compensation scheme arrangements is available from the FSCS www.fscs.org.uk or by calling 0800 678 1100.

  7. Demands & Needs Statement (Non-advised)

    The HireGuard policy is designed to meet the demands and needs of ground-care equipment hirer's who wish to insure on an “All Risks” basis against their contractual liability, arising as a result of loss or damage for the replacement cost of the equipment hired up to 2 years old, thereafter replacement less depreciation subject to the principle exclusions detailed in the Summary of Cover above.

  8. Treating Customers Fairly

    We treat clients as we ourselves would wish to be treated in a fair and supportive way with customer service being the cornerstone of our proposition.


Customer HireGuard Document Pack

Click here to view the insurance documentation pack.