- Quotes from HGV insurance specialists
- Cover options for trucks, lorries and heavy goods vehicles
- UK and European cover options available
- One quick form to compare quotes
HGV Insurance
We partner with specialist insurance providers including
Why use QuoteSearcher for HGV Insurance?
If you rely on a heavy goods vehicle for work, having the right cover in place matters. HGVs spend long hours on the road, often carrying valuable loads, so drivers and operators face a wider range of risks than standard motorists. From accidents and breakdowns to liability claims and loss of goods, the cost of being underinsured can add up quickly.
HGV insurance usually applies to vehicles over 3.5 tonnes gross weight, and you might see it called LGV or truck insurance. What you need depends on how you use your vehicle, private use, general haulage, or as part of a fleet, and what you’re carrying.
We connect you with brokers who arrange HGV cover regularly. Fill in one short form, and we’ll put you in touch with specialists who’ll ask about your vehicle and how you use it, then talk you through your options.
FINDING SPECIALIST QUOTES SINCE 2005
Online for over 20 years matching customers with specialist brokers
FAST AND SIMPLE PROCESS, YOU’RE IN THE RIGHT PLACE
Complete one simple form to receive multiple quotes, let us do the leg work for you
SIT BACK AND RELAX, YOU’RE IN CONTROL
You compare the quotes and choose the policy that best suits your needs
Customer's Love Our Service
Quick quote, no hassle and saved £700!
Fantastic can't fault in any way, would use time and again and recommend to all!
Excellent and fast service, will use again.
Quick helpful and cheap, can’t complain at anything. Thanks very much.
Found the site easy to use, had good feedback from four companies, all very competitive.
Helpful and efficient service, I was impressed how quickly I received my quotes.
Very quick responses and completed selection and purchase of a very competitive new policy within 24 hours.
Very good and easy to use, this has not only saved me money but also saved me a lot of phone calls and time, thank you.
Excellent service and delivered quicker than the website said. Have bought and will buy much more from here. Prices very competitive and often much cheaper. Yet to find something I want that they don't have.
Thought they were very good there was no need to ring around and I found what I was looking for.
HGV Insurance Policy Features
Depending on the insurer and your operating setup, an HGV insurance policy may include:
Goods in Transit
Cover that may apply if goods are lost, damaged or stolen while 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.
Cover for HGV Drivers
If you’re an owner-driver or self-employed, it’s worth asking your broker about cover for you personally, not just the vehicle. This can include personal accident and sickness protection, and public liability cover for claims made against you individually.
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, aimed at 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
HGV insurance can be wide-ranging, but some exclusions commonly apply. Always discuss these 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 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 given the value of the vehicles and loads involved.
Employers’ Liability Insurance
If you employ anyone, full-time, part-time or voluntary, 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 discuss these 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.
Some of these elements can be considered alongside your core motor cover, depending on the insurer, giving flexibility to reflect how you actually operate rather than a one-size-fits-all policy.
7.5 Tonne and Smaller HGVs
A large share of the vehicles brokers cover sit at the smaller end of the HGV range, including 7.5 tonne trucks and lorries often used by tradespeople and small businesses. These can carry a different risk profile to larger, articulated vehicles, so it’s worth mentioning your vehicle’s weight and how you use it when you get quotes.
Temporary and Short-term Cover
If you only need cover for a short period, a single job, covering a gap between policies, or a one-off move, some brokers may offer temporary or short-term HGV insurance. Availability and length of cover will depend on the provider.
Reducing the Cost of HGV Insurance
Premiums are usually influenced by factors such as vehicle security, claims history and driving behaviour. Secure overnight storage may help reduce risk as assessed by some insurers, who may also take telematics data into account when setting premiums.
What Kind of Vehicles Are Covered?
You can insure many types of HGV, including:
- 7.5 tonne lorries and trucks
- Rigid, flatbed and tipper trucks
- Skip lorries and refrigerated trucks
- Business, commercial and fleet vehicles
- American and other imported trucks
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 offer a more streamlined way to manage your fleet, depending on the provider.
Fleet cover can be arranged with named drivers or any-driver cover, depending on insurer criteria and driver experience. A broker can talk you through how fleet policies work and whether this fits the size and structure of your operation.
