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The QuoteSearcher Benefit

Finding specialist lorry insurance providers can often be a difficult journey through endless paperwork, with rival companies promising the world. At QuoteSearcher, we remove this difficulty by connecting you directly with specialist brokers who compete to give you the most competitive price for your insurance.

When your business needs to be carefully insured, and you need a broker you can trust, QuoteSearcher brings all possibilities together in one place. This allows the entire process to be simplified, giving you more time to do what is important to your business.

QuoteSearcher is free to use, and strong relationships with our brokers leads to longevity, ensuring they are happy to continue offering the best and most competitive quotes for your specialist needs. Spending hours searching is annoying and detrimental to the efficacy of your business, which is why the legwork is completed by us and our brokers. They compete for your business, nurturing your needs beyond their own.

At QuoteSearcher, we bring the opportunities to you, with brokers contacting you directly to give you their quote, leaving you with nothing to do but choose what’s right for you.

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Found the site easy to use, had good feedback from four companies, all very competitive.

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Very quick responses and completed selection and purchase of a very competitive new policy within 24 hours.

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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.

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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.

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Thought they were very good there was no need to ring around and I found what I was looking for.

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Lorry Insurance Policy Features

Goods in transit

Cover against against loss, damage or theft of property. Find out more about Goods in Transit Cover.

Public and employer’s liability

Covers legal and compensation costs in the event of a claim. Learn more about Public and Employer’s Liability.

Legal expenses

Covers legal costs in the event of a claim against you. Find out more about Legal Expenses Cover.

Replacement vehicle

Maintain business operation and revenue

Breakdown cover

Roadside assistance to get back on the road as soon as possible. Read more about Breakdown Cover.

Excess protection

Protection against the cost of the insurance excess. Find out more about Excess Protection.

Common Exclusions

Motor theft – through keys being left in or on the vehicle
Goods theft – 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.

Types of Cover

We know that lorry insurance can be expensive, so all of our partner policies can be customised to contain your specific requirements.

As with normal vehicle insurance, there are 3 different levels of cover available:

Third party only
Third party, fire & theft
Comprehensive

Third party only is the cheapest choice, and the minimal legal requirement. Also, employer’s liability insurance and motor insurance are both mandatory by law.

Types of Vehicle

Lorries come in a variety of shapes and sizes, including:

Refrigerated trucks
10 tonne HGV
44 tonne lorry
Q Plates
Crew cabs
Classic trucks

Our partners can offer cover for lorries any weight up to 200 tonne GVWs.

Reducing Your Premium

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

Telematics – Installing black-box to monitor driving behaviour
CCTV – Dashcams and on-board cameras provide video evidence of any incidents that could invoke a claim
Fleet management – Organisational policies to manage risks associated with lorry driving and maintenance
Driver training – Advanced driving courses improve driver ability in hazardous situations

Frequently Asked Questions About Lorry Insurance

- What type of Lorries can our Brokers Insure?
  There is nothing more frustrating than spending your time filling out an insurance quote form only to find that the company you are dealing with cannot provide a policy to suit your needs. This is why we work with a range of brokers so that no matter what type of lorry you own you will be able to find a policy that not only covers everything you want but also won’t break the bank. We can also help you get in touch with a number of our brokers in case you have any specific questions or want to know more details about the policies they offer.
- What does Lorry insurance cover?
  Lorry insurance protects not only your vehicle but also the goods that you are carrying, which is extremely important as they are often worth a large amount of money. This type of insurance also helps if one of your vehicles needs to be repaired, as parts for large vehicles can cost anywhere between hundreds and thousands of pounds. Our brokers can also offer lorry insurance policies that cover your driver and your goods whether they are in the UK or abroad, meaning that if you are thinking of expanding your company or your services you won’t be held back by your insurance policy.
- Will I receive a like-for-like replacement vehicle in the event of an accident?
  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.
- What will happen if I have an accident outside of working hours?
  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.
- Do I need to purchase employers liability insurance?
  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.
- Will my policy cover glass and windscreens?
  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.
- Sometimes I have to transport hazardous goods, will they be covered?
  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.
- Will I be able to drive a 7.5 tonne vehicle?
  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.

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