Great deals on your HGV Insurance

The complete HGV insurance solution

All of our HGV insurance policies come with the option of breakdown cover in both the UK and in the EU.

For a great HGV insurance quote, submit your details by completing our online HGV quote form.

All you need to know about HGV insurance

Do I need an HGV Insurance Policy?

If you own and intend to use a vehicle on a public highway which is over 7.5 tonne Gross Vehicle Weight then an HGV Insurance Policy is required. Examples of types of vehicles would be an Articulated Lorry, Tipper Lorry, Cement Mixers, Skip Lorry, Flat Bed Lorry etc.

Why Staveley Head Ltd t/a The HGV Broker?

We have been a leading Lorry Insurance broker for over 10 years. We deal with the vast majority of insurers and over time have developed many exclusive products with large insurers such as Norwich Union, HSBC Insurance, Highway Insurance.

We understand the need to keep your vehicle on the road following a road traffic accident and are one of the few brokers in the UK who give FREE benefits. For example, all our policyholders have Free Legal Expenses Insurance, Free 24 Hours Claims Management Service. We are also able to offer at no cost to you a like for like replacement vehicle in the event of a non fault accident.

We can offer ‘Quote and Buy’ online for all our HGV Insurance products. We also have specialist and highly trained staff based in the UK who can help with any query to ultimately offer you a great deal on your HGV insurance.

We have developed many other insurance products for lorry policies that go hand in hand at very competitive premiums. Goods in Transit Insurance and Public Liability Insurance as well as HGV Motor Breakdown are just a few examples.

My HGV Insurance Cover

How you are carrying your goods determine what lorry insurance cover you will require:

• Social Domestic and Pleasure Insurance – usually for personal use and a typical example is Horsebox Insurance
• Carriage of Own Goods Insurance – for the carriage of your business goods only and a typical example is a Groundworker, Scaffolder.
• Haulage Insurance (Carriage of Goods For Hire and Reward) – this cover will be required if you are charging to deliver someone else’s goods

HGV Insurance follows the traditional types of cover of Comprehensive, Third Party Fire and Theft and Third Party Only. All insurance policies will carry an excess – the first part of any insurance claim which you are responsible for. Typically the excess is £500 however under many circumstances we can reduce this excess to £250 and even lower at times.
Windscreen cover is usually not available on Lorry Insurance Policies however the majority of Comprehensive products WE offer do include windscreen cover with typically a £75 excess.
Cover can be arranged for all types of policyholders which include sole proprietors, lorry business partnerships, haulage companies where incorporated, charities and other organisations.

Who Can Drive on my Truck Insurance Policy?

Just like all types of motor insurance any request can be made on your truck insurance. Insured Only, specifying named drivers or even Any Driver Over 25 years of age. The norm is that all drivers are over the age of 25 however we are able to quote for young drivers if required. Typically a Full UK driving licence is required for minimum of 2 years for that particular class of HGV however we are able to quote for drivers with EU licence, International licences and can also on occasion cover drivers who have held a licence for less than 2 years.

I’ve had an HGV Insurance Policy for many years but still want to a reduce my Lorry insurance premium

We have been active in the Lorry insurance arena for over 10 years. There are many schemes with insurers and brokers that will give no more than 40% No Claims Discount if you have over 5 years claim free insurance. We have developed exclusive insurance schemes with many huge named insurers for example Norwich Union, Highway, HSBC and the No Claims Discount entitlement is 65% and over. We constantly perform market exercise making us aware of our competition. We therefore constantly adapt to the uk truck insurance market by altering our courier premiums and strengthen our policy terms thereby ensuring that we remain competitive.

I want to start a Haulage business – how do I get a good deal on my Lorry Insurance?

We understand that a huge cost when starting your haulage business will be your haulage insurance. Earned no claims discount is usually a large factor of consideration with hgv insurance companies. We do not believe in penalising an experienced lorry driver for not earning No Claims Discount. We have negotiated huge introductory discounts from many of our insurance partners and pass these incredible discounts onto our customers.
For example:

• we can give up to 65% Introductory No Claims Discount if you are an experienced lorry driver
• we can give up to 65% Introductory No Claims Discount if you have another lorry being insured elsewhere
• we can give up to 65% Introductory Discount if you have been driving another truck not necessarily insured in your name

I may need to deliver goods into Europe?

UK Lorry Insurance is the traditional contract. However it is becoming more regular that foreign use insurance is required. Temporary foreign use insurance to European countries can be easily issued with a Green card extension. If very regular foreign use travel occurs then we can easily provide Annual cover for European lorry insurance by issuing an Annual Green Card endorsement.

I’m expanding my business and want more HGV vehicles

We are a specialist HGV insurance broker and have access to many Haulage Insurance and Fleet Insurance markets. Our typical HGV insurance schemes are designed for policyholders with up to 6 vehicles. If you have more then a Fleet Insurance Policy should be sought. We can offer excellent rates for all types of Fleet Insurance and ask you to visit our sister site ‘The Fleet Insurer’.

Types of Commercial Truck Insurance policyholders

The majority of HGV Insurance policyholders are Haulage Contractors with policy terms of Carriage of Goods for Hire and Reward. In addition to these are Furniture Removers. There are also many Own Goods operators for example Landscapers and Landscape Gardeners, Scaffolders, Groundworkers. Skip Insurance is a difficult area to obtain competitive premium however we are able to offer Skip Insurance and also able to offer Skip Liability Insurance.

What else will I need?

Goods in Transit Insurance is usually a must for all policyholders. We have exclusive facilities with large insurance companies and can offer all types of Goods In Transit Insurance. For example, Goods In Transit All Risks cover up to any specified amount, GIT Insurance with RHA conditions of carriage, CMR cover for all types of goods. We can offer this for individual HGV’s and also multiple vehicles. UK and EU use can also be offered. We have no restriction on types of goods carried and can include Insurance for Furniture Removers.
Public Liability Insurance and Employers Liability Insurance may also be prudent to obtain. Another product worthy of consideration is Motor Breakdown cover as it is imperative that your vehicle remains on the road at all times. ‘The HGV Broker’ offers these products and more at a very small cost when added to any Lorry Insurance Policy.
Protected No Claims Discount is an option for all your Truck Insurance policies held through us. The small cost to protect your no claims discount following an accident may be a good option.