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Heavy Truck Insurance

Heavy truck insurance has many of the same policy requirements as other vehicles on UK roads. The main difference is the risks involved are focused in certain areas. This typically means that having the correct policy in place is even more important than it might be for smaller vehicles.

What You Need to Know About Heavy Truck Insurance

Row of large trucks

Heavy truck insurance relates to a certain weight of truck that requires specific policy features due to the inherent risks involved. What is considered to be a heavy truck varies from country to country, but in the EU it is defined as those that weigh between 26,000lbs to 33,000lbs (11794kgs to 14,969kgs). This is the highest classification that is legal allowed on roads in the region and requires special permits and driving licences (HGV) to function. HGV licences, and the policy designed for such drivers, begin at 7.5t and can include various specialist coverage that will depend on a variety of factors.

Caravan of lorries

In fact, this is where heavy truck insurance can get a little more complex than the average truck insurance policy. For example, if you are travelling long distances, some policies might need to include EU countries. Accidental damage and third-party insurance is also needed to cover the specifics of heavy trucks, not to mention the legally required employers’ liability if you have a workforce or fleet of heavy trucks. Thankfully, there are many options available for those with such policy needs, so even the most complex set up can find the right level of coverage to suit them.

Notable Features of Heavy Truck Insurance

Heavy truck insurance covers many of the same aspects as other vehicles on the road, the difference lies in the specialist level of coverage that these huge vehicles require. Some features are legally required, others are highly recommended, and some will only be relevant for a minority. Understanding these is key to accessing the best coverage for the lowest price. Some of the most important include:

Third Party Insurance

Third party insurance is not only essential for road users, it is legally mandatory. In essence, it protects against damage done to another’s property or person. This can be while on the road or on private property. It is essential due to the fact that damage to property alone can be enormously expensive. Add to this being found liable for damage to a person, and the risks increase even further. With vehicles as large as heavy trucks, these hazards are event magnified greatly.


Comprehensive Cover

Third party policy is the legally required part of this policy. However, standing alone, it may not be sufficient. Many that take out insurance will add fire and theft cover as a matter of course, with providers offering it as standard a lot of the time. This makes sense due to the inherent risks involved. Comprehensive insurance extends these policies to include protection for your own property and health.

Fleet Cover

Fleet insurance applies to those who have more than one vehicle in their employ. Standard vehicle policy does not extend to multiple trucks, so it makes sense to seek out a specialist policy that is able to be perfectly applied to the number of trucks you use in the running of a business. What’s more, providers will typically offer reduced rates per vehicle the larger the fleet is, making it cost efficient as well as perfectly suited to the needs of such business owners.


Goods In Transit Insurance

While heavy trucks will often carry goods that are far from convenient for the would be thief to escape with (due to the size and weight of the goods in question), if the goods are of high value, the losses can be of huge consequence when it does occur. All commercial vehicles that move goods around the country should have something akin to this policy available to them, for heavy trucks, unless the cargo is essentially waste products, this is an essential.