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HGV Insurance

Why Use Quotesearcher

  • Cover for Articulated, Refrigerated, Rigid and Tipper vehicles
  • Category C and C+E licences covered by all our partners
  • Breakdown cover available

HGV insurance, also known as haulage insurance, is designed to cover any business which uses trucks, lorries or any other type of HGV. Due to the size and weight of the vehicle, and the high mileage, they require a specialist insurance policy.

We understand that your HGV is integral to you earning a living, and such there are plenty of policy features designed to protect your income and get you back on the road and earning as quickly as possible.

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.

Types of Vehicle

HGV’s come in a variety of shapes and sizes, including:

  • Refrigerated trucks
  • Cherrypickers
  • Plant vehicles
  • 10 tonne HGV
  • 44 tonne lorry
  • Motorhomes in conversion
  • Q Plates
  • Crew cabs
  • Classic trucks

HGV insurance is split into 2 groups. One is for vehicles below 7.5 tonnes, the other for those over 7.5 tonnes.

Our partners can offer cover for trucks of almost any weight, all the way up to 200 tonne GVWs.

Types of Cover

HGV insurance can be costly, so all of our partners policies can be customised to fit your unique needs.
That way, you will only be paying for the cover you actually require.

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
  • Comprehensive

Third party only is the minimal legal requirement, and also the cheapest of the three.

If you do decide on third party only, make sure you give it some serious thought. Whilst it may save you money in the moment, in the long run you could end up spending far more money because you do not have sufficient cover.

HGVs are expensive vehicles and if something does go wrong it could even end up impacting on your business if you have to cover the costs yourself.


Below is a list of optional extras in order to truly tailor your policy to suit your specific needs.

Goods in transit – the very nature of haulage means you will be transporting goods from A to B, generally on behalf of someone else. This puts their goods in your charge and therefore you are responsible for their safe arrival. With goods in transit insurance, you will be covered against loss, damage or theft.
Public and employer’s liability – this protects you and your business against any claims made by an employee or third party who were injured by your HGV. Liability actions can be very costly, and in some cases could even bankrupt a business.
Replacement vehicle – we understand that your HGV is your livelihood, and all the while you are off the road you are not earning an income. This feature is an important way to prevent your business from suffering.
Breakdown cover – if your HGV breaks down it means your business has also ground to a halt. If the HGV is midway through making a delivery, you need it to be back on the road as quickly as possible.
Excess protection – if you are at fault and need to make a claim, this will safeguard you against the cost of your insurance excess. With a wide choice of indemnity levels available, you can pick whichever one is suitable for you.
Legal expenses – in case a claim is made against you, this will cover your legal costs. There is a comprehensive range of cover available for individuals and businesses too.


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
Goods in transit – theft of property from an unattended vehicle is not covered, unless the vehicle is in a locked building or a secure compound with a security guard always on site.
Hazardous goods – most contents are covered, but 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.

Reducing Your Premium

In order to reduce the price of your premium, there are several steps you can take:

  • Installing telematics devices in your HGV
  • Fitting on-board cameras
  • Fleet management
  • Driver training

Enter your details here to find out which of our partners has the right HGV insurance policy for you!

Why Use Quotesearcher

  • Cover for Articulated, Refrigerated, Rigid and Tipper vehicles
  • Category C and C+E licences covered by all our partners
  • Breakdown cover available
  • 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.

  • 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.  Even though this all may sound expensive at first, here at QuoteSearcher we can compare policies for you, meaning that you can relax and know you are getting the best price.