- Quotes from HGV insurance specialists
- Cover options for trucks and heavy goods vehicles
- Options available for haulage and commercial use
- Compare HGV insurance with one quick form
HGV Insurance
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Why use QuoteSearcher for HGV Insurance?
If you rely on a heavy goods vehicle for your income, having appropriate insurance arrangements in place is essential. HGVs operate in demanding environments, often carrying valuable loads over long distances, which means drivers and operators face a wider range of risks than standard motor users. From accidents and breakdowns to liability claims and loss of goods, the financial impact of insufficient cover be significant.
HGV insurance typically applies to vehicles with a gross vehicle weight over 3.5 tonnes and may also be referred to as LGV or truck insurance. Policies can vary widely depending on how your vehicle is used, what you carry, and whether you operate independently or as part of a larger business.
QuoteSearcher helps you navigate those options by putting you in touch with brokers who regularly arrange HGV insurance. By completing a short form, your details are shared with brokers experienced in arranging insurance for commercial haulage operations who can discuss the insurance options available based on how you operate.
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HGV Insurance Policy Features
Depending on the insurer and your operating setup, an HGV insurance policy may include features such as:
Goods in Transit
Cover that may apply to loss, damage, or theft of goods while they are being transported. Learn more about HGV Goods in Transit cover.
Public and Employers’ Liability
Cover for claims made by third parties or employees following injury or property damage. Find out more about Public and Employers’ Liability cover for HGVs.
Replacement Vehicle
May provide access to a replacement vehicle if yours is off the road, which could help reduce disruption to your business.
HGV Breakdown Cover
Roadside assistance designed for larger vehicles, with the aim of getting you moving again as quickly as possible. Learn more about HGV Breakdown cover.
Excess Protection
May help manage the cost of your excess if a claim is made. Find out more about Excess Protection options.
Legal Expenses
Cover that may contribute towards legal costs if a claim is made against you or your business. Find out more about cover for Legal Expenses.
Common HGV Insurance Exclusions
While HGV insurance can be wide-ranging, there are some exclusions that commonly apply. These should always be discussed with your broker so you understand where limitations may sit:
Theft of unattended vehicles or goods
Claims may be declined if a vehicle is left unattended without adequate security, such as keys left in the ignition or doors unlocked.
Hazardous goods
Standard goods in transit cover may not apply to dangerous or hazardous materials. Transporting these items often requires additional haulage or specialist cover.
Income protection limitations
Income protection may be available for some HGV drivers, particularly the self-employed, but eligibility and exclusions often depend on medical declarations and policy terms.
Legal Requirements for HGV Insurance
There are certain elements you must have in place by law when operating an HGV in the UK:
Third Party Only Motor Insurance
This is the minimum legal requirement for any vehicle on UK roads. Many operators choose higher levels of cover due to the value of vehicles and loads involved.
Employers’ Liability Insurance
If you employ anyone, whether full-time, part-time, or on a voluntary basis, employers’ liability insurance is a legal requirement.
Motor Insurance
All HGVs must be insured appropriately to be driven legally on public roads. Find out more about motor insurance here.
Additional HGV Insurance Options
Some operators choose to discuss additional features with their broker to better reflect how they work day to day:
Personal Accident and Sickness
May provide financial support if illness or injury prevents you from working, particularly relevant for self-employed drivers.
European Cover
Useful if your work regularly takes you outside the UK, offering protection while driving in Europe.
Public Liability Insurance for HGV Drivers
Can help cover legal expenses and compensation costs if a third party brings a claim against you or your business.
Some policies allow these elements to be considered alongside core motor cover, depending on the insurer, giving flexibility to reflect real world risks rather than a one-size-fits-all approach.
Reducing the Cost of HGV Insurance
Premiums are usually influenced by factors such as vehicle security, claims history, and driving behaviour. Measures like secure overnight storage may help reduce risk as assessed by some insurers. They may also take telematics data into account when assessing premiums.
What Kind of Vehicles Are Covered?
You can insure many types of HGV, including:
- 7.5t lorry
- Classic HGV
- Business Truck
- Classic Lorry
- Flatbed Truck
- American Truck
- Dump Truck
- Farm Truck
- Forklift Truck
- 7.5t truck
- Skip Lorry
- Classic Truck
- Commercial HGV
- Commercial Lorry
- Tow Truck
- Commercial Truck
- Standard Truck
- Big Trick
- Tipper Truck
- Refrigerated Truck
HGV Fleet Insurance
If you operate more than a handful of vehicles, HGV fleet insurance may be more suitable than individual policies. Fleet policies can cover multiple vehicles under one arrangement and may provide a more streamlined way to manage multiple vehicles, depending on the provider.
Fleet insurance can be arranged with named drivers or any driver cover, depending on insurer criteria and the experience of your drivers. Brokers can explain how fleet policies work and whether this approach suits the size and structure of your operation.
