I’m getting fed up repeating this statement. A pallet truck, where the consequence of the load falling off is very low doesn’t come under LOLER it comes under PUWER. What evidence do insurance companies have to insist they are inspected under LOLER anyone know?

If you refer to the web sites for the major insurance based inspection providers you will find that they consider pallet trucks both manual and powered to be PUWER and not LOLER.

Our insurers inspect under PUWER and the HSE refer to a risk-based approach for some equipment:- "However, the measures that need to be taken under LOLER will depend upon the 'risk'. While LOLER applies to most work equipment used for lifting, in practice the risk assessment may result in there being few (if any) measures necessary to comply with the Regulations. Examples include a pallet truck (which raises the load a small distance) and small storage and retrieval systems with trays on a continuous chain." Taken from HSE's Operation Circular OC 234/11. I say - discuss the issue with your insurer, I have found most are reasonable when you offer up supporting evidence. Hope this helps Cheers