- HGV insurance facilities with top UK insurers
- Insurance cover for vehicles with a gross vehicle weight of between 5 and 44 tonnes
- Truck fleet cover available
- Comprehensive, third party, fire and theft, or third party only cover
- Goods in transit, liability and breakdown cover also available
And because we know it’s important to you, we make sure you can transfer your No Claims Bonus. Or if you’ve earned that No Claims Bonus on another vehicle but don’t want to transfer it, we can offer introductory discounts.
As well as your truck insurance, there may be occasions where you need extra cover to meet the terms of a contract, or simply want to make sure you and your business are always fully protected. Here are some of the optional covers we offer:
HGV Breakdown Cover
We offer a range of breakdown insurance covers aimed at getting you back to work as quickly as possible.
Goods in Transit
As a professional driver carrying cargo, it is vital that those items are protected against any kind of loss, damage or theft. Goods in transit insurance can give you that peace of mind.
Excess protection insurance safeguards you against the cost of your insurance excess, should you need to make a claim as a result of a fault accident. And with a choice of indemnity levels, you can easily select the right protection for your needs.
Even a basic liability insurance policy is essential to avoid putting your business in jeopardy. We understand, so we work with the nation's leading insurers to ensure you get the perfect policy for you and your HGV or truck business.
Your hgv insurance questions answered
What is a HGV insurance policy?
Our HGV (Heavy Goods Vehicle) insurance covers vehicles with a GVW (Gross Vehicle Weight) of over 5 Tonne up to 60 Tonnes. Different cover levels will provide you with fully Comprehensive cover down to Third Party Only.
Do I need an operators' licence?
You will need an operators' licence to carry goods connected with any trade or business if your vehicle's gross weight is more than 3.5 tonnes.
There are certain exemptions, so it’s best to check with VOSA.
Do you provide truck insurance for a new venture?
Yes, we offer cover for new ventures and also for people who have only recently obtained the appropriate HGV licence. New ventures can often obtain an introductory discount in order to make the cost of starting a new venture more affordable.
I am starting a new company but have previous experience do you offer truck insurance that reflects this?
Yes, we can offer discounts where proof of experience and claim free driving can be provided. Discounts can often be as much as 60%.
Do you offer truck fleet insurance?
Yes, we have a panel of insurers who will take on new fleets of HGV’s as well as existing. You would require a minimum of 3x vehicles to qualify for Fleet Insurance.
Will my policy restrict what I can use my truck for?
Most heavy goods vehicles are used for haulage or delivery services, but we understand that everybody's needs are different.
So our quote system will find the cheapest truck insurance premium whether you use the vehicle for pleasure purposes or for haulage.
Do you offer cover for Lorries carrying hazardous goods?
In general terms vehicles that carry hazardous goods are not acceptable. However, we are prepared to consider risks that involve the carriage of low hazardous goods.
What are your weight limitations?
Our current schemes allow us to cover vehicles from 5,000kg Gross to vehicles up to 60,000kg Gross.
Who is able to drive my HGV?
Please refer to your motor certificate. We offer cover for drivers aged 17-69 providing the correct licence is held to drive the insured vehicle and also the option for Any Driver – Terms apply.
Can I take my truck into Europe?
Yes, we can provide cover within the EU providing cover outside of the UK does not exceed 120 days per policy term.
What types of goods will my policy allow me to carry?
Typically, HGV insurance policies allow for the carriage of most goods, with the exception of hazardous items. But if you do carry these, call us and we’ll see if we can provide a suitable policy.
Will I get a like-for-like replacement vehicle in the event of an accident?
Our optional legal protection policy, as well as providing a valuable claims management service, will provide a vehicle of similar type and size if you’re involved in a non-fault accident (subject to availability).
You will also be given the option of purchasing this extra cover when buying your HGV insurance online. For further information, please speak to one of our team on 0800 023 7197
What duration of cover can you arrange?
All of our HGV insurance policies run for a 12-month period.
Do I need Employers Liability insurance?
If you have employees, Employers Liability is a compulsory insurance which enables the employer to meet the cost of compensation should injuries or illness occur as a result of their job.
What level of goods in transit cover do I require?
Goods in Transit is an optional product and the level of cover will be your choice to make depending on the value of goods carried or the level of cover you may be required to have in place for a specific contract or network you may carry for.
We’re not the kind of people to try and pull the wool over our customer’s eyes. So we use Feefo, an independent third party company to collect feedback on every policy we sell (see below). This way, we get another view on how we’re doing so we can improve our service wherever possible.
So if you’d like to make a suggestion as to how we could do better, please use our contact us form and tell us about it.
92% of customers liked our service (11 reviews)
4 months ago
Would have been perfect if my gender was correct on my policy documents!!!
4 months ago
Got exactly what we asked for, well done.
5 months ago
Very good service,the only criticism is the same person did not follow through the hole process.
5 months ago
Although our quotation this year compared favourably, the cost of HGV insurance has always been way too expensive in the UK, there are only a few insurers that will cater for HGV, so regardless of which broker you use, you get the same quotes from the same companies, its finding the best broker, not the best insurer.