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HGV Insurance

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What is HGV Insurance?

HGV Insurance is a policy designed specifically for vehicles that are 7.5 tonne and over. It will cover the cab, the trailer, the goods carried, the driver, and anything else you may wish to protect.

The policy can be set to cover just the UK or UK & European travel. International cover is also available.

There are a lot of variants to lorry insurance and it is important that you get them right and cover the exact areas that you need cover for.

It is quite common to here this type of policy be referred to as Haulage Insurance as it is aimed at best protecting the haulage industry.

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Your policy can feature:

  • Policy discounts
  • Flexible payment plans – subject to insurer
  • Combined policies
  • Immediate cover available
  • Breakdown cover in the UK and Europe
  • Attached or Detached trailers can be included
  • Costs of defending an action under the Corporate Manslaughter and Corporate Homicide Act 2007 may be included
  • HGV fleet insurance
  • Commercial HGV
  • Goods in transit
  • Employers and public liability cover
  • Personal accident and sickness cover
  • 44 tonne lorry specialists

Types of Cover

Lorry Insurance is completely tailorable for the driver’s / owners needs. It is however worth noting the primary cover points that make up most HGV policies. The level of insurance cover you select is up to you.

Contents Cover
It goes without saying that HGV’s were made to carry goods of either your own or others. If you use your truck for commercial gain IE as a haulage contractor, then contents cover is essential to make sure you are properly covered in the event that the goods you carry are broken, lost or stolen.

Public Liability
This type of cover protects you from claims made by the public as a result of negligence on your behalf. Should you reverse your truck into something that then falls or hurts a member of the public, you want to know that you are not personally liable for the damage claim.

European Cover
If you operate your vehicle within a different country but within the Eurozone, then European cover is essential to ensure you, your lorry and your contents are covered abroad.

Legal Fees
Legal fees cover is the area of the policy that covers the cost of lawyers and all legal fees involved with fighting any case or claim placed against you or your company.

Breakdown Recovery
This is essential for any truck driver. Being stuck broken down at the side of the road costs time which in turn costs money. If you are not covered for breakdown recovery, the fees associated can be extremely costly.

Losing your License
Although this never really happens to responsible license holders, should you lose your license, this cover will ensure you remain covered with a monthly income until you are able to earn again.

Fleet Insurance
If you are in charge of multiple vehicles, a fleet policy may be a better way to go which will enable you to cover multiple vehicles all at once for the same risk levels.

Can I get a Cheap HGV Insurance?

Like any policy, insurance premiums depend on your risk profile. If you build up your no claims bonus and keep a clean drivers licence and maintain your operators licence, then yes, it is likely that your policy will be cheaper. If you have a bad track record however, it is unlikely that any policy will be as competitive to that of a good track record.

Saving Money on my Lorry Insurance

Everyone wants to save money on their insurance. It is often the burden everyone hates to pay but is actually, potentially the only thing saving your business when things go wrong. We have wrote a quick handy guide on How to Save Money on HGV Insurance but the best way is ultimately to ask your advisor.

We recommend that in order for us to help you best, have all your policy documents ready, or, if you are a new venture, have all relevant financial details available for yourself including any proof of No Claims Bonus on another policy (it may be transferrable).

Here are some ways to save on your Lorry Insurance:

  • Limit the amount of drivers
  • Don’t insure more mileage that you will not do
  • Do everything you can to keep your No Claims Bonus and prove your ability to drive
  • Get your operators license if you don’t already have one
  • Fit a tracker to the vehicle
  • Fit a dash cam to the vehicle

HGV Cover Essentials

Whether yourun a fleet of heavy goods vehicles as part of your business, or just have oneor two, having the right insurance is vital. There are many complexitiesinvolved when considering your policy, and you need to make sure your covermeets the needs of your business. Here is a brief checklist of things toconsider when looking for HGV insurance:

  • How many HGVs do you run?
  • How many drivers do you employ?
  • Do you need breakdown cover to be included?
  • Do you need public liability cover as part of your policy? If anyone other than your driver is handling the goods then this is essential.
  • How about the goods you transport – do they need covering too?
  • Do your trucks go abroad as part of your business?

The above areall things that your policy needs to cover. But there’s more.

As well asyour insurance adequately covering your needs, your drivers need to be carryingout their ‘due diligence’ checks before they even start their daily journey –the tyre pressures, engine checks (making sure all the fluids are topped up),and making sure there is no obvious visible damage to the vehicle. Are yourmaintenance records up to date and accurate?

All driversshould be properly trained in handling the goods they are transporting too, andregular training refreshers are needed to make sure everyone is compliant here.

Are yourdrivers taking all the breaks they need to and are these being properlydocumented? EU law states that a driver must take a 45-minute break every 4.5hours.

Being a HGVdriver is hard work but it also has benefits – getting to see the wider world(via the motorway most of the time but even so…), listening to your favouritemusic without anyone complaining that they’re fed up of hearing it, or gettingto read a book without interruptions when you have a break.The hours can be long, but we are here to makesure that your trucks are covered for your peace of mind. Contact us for acomprehensive quote that meets your requirements and we’ll help you get thecover you need.

Why use Total Insurance?

The brokers we use have years of insuring HGV drivers and haulage firms. They constantly work to bring down the cost of your HGV Cover by negotiating with their extensive board of insurers.

  • Specialist HGV brokers
  • Extremely quick at quoting AND can cover you instantly.
  • Fast documentation.
  • UK call centre with well trained advisors
  • Flexible payment plans

The insurance company we connect you with will be fully Authorised and Regulated by the financial conduct authority.

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