Cover against loss, damage or theft to goods while being transported
Public and employer’s liability
Protection against any claims made by an employee or third party who were injured by your HGV
Prevent your business from losses incurred from being off the road
Roadside assistance to get HGV operational as soon as possible
Covers the cost of your insurance excess
Covers any legal costs in the event of claim against you or your business
There are various exclusions which will vary from one provider to the next.
The most common ones are listed below: Motor theft – due to keys being left in or on the vehicle Theft of Goods – theft of property from an unattended vehicle is not covered. Hazardous goods – if you are transporting hazardous goods or materials these will require their own specialist cover. Income protection – this cover is dependent on your declaration of health on the day you enter into the policy. If you have any pre-existing illness before joining, then you will not be eligible.
Types of Cover
HGV insurance can be costly, so all of our partners policies can be customised to fit your unique needs.
However, it is important to note that employer’s liability insurance and motor insurance are both mandatory by law.
As with all vehicle insurance, there are 3 levels available:
Third party only
Third party, fire & theft
Third party only is the minimal legal requirement, and also the cheapest of the three.
Types of Vehicle
HGV insurance is split into 2 groups. One is for vehicles below 7.5 tonnes, the other for those over 7.5 tonnes.
HGV’s come in a variety of shapes and sizes, including:
10 tonne HGV
44 tonne lorry
Motorhomes in conversion
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
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.
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.
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.
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.
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.
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.
Yes, the majority of policies do cover windscreens and glass. With some HGV and lorry insurers, claiming for a broken windscreen will not affect your no claims discount, however you should check the wording of your policy.
Yes, most HGV insurers will offer policies for HGV’s that are used for driving tuition. If you are unsure however, then it would be a good idea to read through your policy documents. If you are then still unsure, then you should telephone your insurer in order to ask them directly.
Yes, many HGV and lorry insurance brokers will indeed offer haulage policies that provide cover for carrying hazardous goods. It may be a good idea to check with your insurer however as you may instead need to take out some form of extra cover.
This will depend on your driving licence. To drive a 7.5 tonne vehicle, you will need to have passed the category C test. To drive a vehicle between 3.5 tonnes and 7.5 tonnes, you will need to have passed the C1 test. In order to apply for HGV or lorry insurance you may need to prove that you are able to legally drive your particular vehicle.
Many HGV insurance policies will allow you to travel into Europe, whether it is an occasional trip-by-trip basis or whether you will need an annual green card.
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