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Why use QuoteSearcher?

Do you drive a heavy goods vehicle as part of your job? If you rely on your HGV for your income, you must make sure it is insured against a number of day-to-day risks. If you are looking for HGV insurance, QuoteSearcher can help put you in touch with the very best brokers, who will work to offer you the most competitive HGV insurance quotes.

To avoid the hassle of sifting through various quotes, let QuoteSearcher compare HGV insurance so you can focus on keeping your vehicle on the road and earning money. We can connect you with a wide selection of brokers who will work hard to get your business.

HGV Insurance Policy Features

Goods in transit

Cover against loss, damage or theft to goods while being transported. Learn more about HGV Goods in Transit Cover.

Public and employer’s liability

Protection against injury claims made by an employee or third party. Find out more about Public & Employer’s Liability Cover for HGVs.

Replacement vehicle

Prevent your business from losses incurred from being off the road.


Breakdown cover

Roadside assistance to get HGV operational as soon as possible. Find out more about HGV Breakdown Cover.

Excess protection

Covers the cost of your insurance excess. Find out more about your options for Excess Protection.

Legal expenses

Covers any legal costs in the event of claim against you or your business. Find out more about your Cover for Legal Expenses.

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Policy Exclusions

Theft of Unattended Goods/Vehicle

If you leave your HGV unattended and goods are stolen, or you leave you door unlocked with the key in the ignition and your vehicle is taken as a result, you will not be covered

Hazardous Goods

Goods in Transit (GIT) insurance will cover most goods, however if you are transporting materials of dangerous or hazardous nature, you will need to look into a different specialist cover

Income Protection

You can get income protection for HGV drivers, but this is dependent on your declaration of health when signing up to your policy; pre-existing illnesses that are not declared will nullify your policy

Policy Inclusions

Policy features you must have by law are:

Motor Insurance

This may go without saying, but you must be protected by Motor Insurance in order to be on the road legally as an HGV driver.

Employers’ Liability

If you have more than one HGV and you employ someone to drive it, you must have this cover so both your drivers and yourself are protected – this is called Employers’ Liability Cover.

Third Party Insurance

Third party is the absolute minimum cover you need by law, but you can choose to go for third party, fire & theft, or a fully comprehensive policy.

Optional Extras

Personal Accident & Sickness

If you are self-employed, any time not on the road is a financial burden; you may wish to look into this type of cover so you are not left out of pocket in the event of an illness.

European Cover

European Cover is a useful element of cover if your HGV business takes you overseas on a regular basis and will make sure you are covered during your time in Europe.

Public Liability Insurance for HGV Drivers

This is particularly important as it covers your legal expenses should a third party make a claim against you or your business, such as an accident or injury.

HGV Fleet Insurance

Most policies will cover between 1 and 5 vehicles; any more, and you will need to get HGV fleet insurance. Looking for HGV insurance can be a long process, but by having all your vehicles under a single policy you will save time and also get a reduced price on your premium.

Any driver cover is available, or you can have a policy which is easy to add named drivers to as and when you need to.

HGV Fleet Insurance

Find the Best Deal on an HGV Fleet Insurance Policy now

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HGV Fleet Insurance

Frequently Asked Questions About HGV Insurance

    • What does HGV Insurance cover?
      HGV insurance not only covers your vehicle, but also the goods that you are carrying, and seeing as these can sometimes be worth thousands of pounds it’s good to know you are in safe hands.  This type of insurance also covers you if you are transporting hazardous goods such as some types of chemicals or waste products, which means that both your drivers and vehicles will always be protected. This is along with any kind technology that is installed in the vehicle to help with your journeys, or the goods being transported, such as refrigerators or tracking devices.
    • How expensive is HGV Insurance?
      Like all types of insurance, your premiums depend on the amount of risk you pose, and well as other factors such as how many members of your staff will be using the vehicle.  If you are planning on travelling long distances in your vehicle then you will need to make sure you are covered for this too, especially if you are going overseas.  
    • Whats the difference between HGV Insurance and Commercial Vehicle Insurance?
      Many people who own an HGV are confused as to why they need a niche type of insurance instead of just searching for commercial vehicle insurance. However, most commercial vehicles are smaller in size and don’t have the same complex engineering that HGVs do. This means that commercial vehicle providers won’t have as much knowledge when it comes to the type of vehicle you drive. HGV insurance is a niche product, and because of that you know you will be working with experts who understand your business needs and can be efficient when it comes to getting you back on the road.
    • Will I receive a like-for-like replacement vehicle in the event of an accident?
      Your HGV insurance, or lorry insurance, provider will offer a similar type and size vehicle if you are involved in a non-fault accident. If you wish to learn more about replacement vehicles then please do not hesitate to contact your insurer directly.
    • What will happen if I have an accident outside of working hours?
      If you have an accident in your lorry outside of your working hours, then you will need to refer to your HGV or lorry insurance policy documents in order to see what can be done, and then you will need to contact your insurer and they should be able to assist you.
    • Do I need to purchase employers liability insurance?
      Yes, even if you only use an employee occasionally, and on a temporary basis, you will still need to purchase employers liability insurance along with your HGV insurance policy, as this is a mandatory requirement in the UK.
    • I run a skip hire business, will I be able to get insured with HGV insurance?
      If you run a skip hire business, then yes you should be able to get insured with a normal HGV insurance policy as there are a number of policies offered by HGV insurance brokers for this.

I was very impressed with the speed in which QuoteSearcher’s partners got back to me. After completing the online form I was delighted with the quotes I received and was happy to sort out my insurance quickly.

Matt Dyer – Sunderland, Tyne and Wear

At last! A quote website that is simple, easy and quick to use!!! I just had to send in a quick email to congratulate and thank you.

Alan Roberts - Portsmouth

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