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HGV Insurance

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We work with specialist HGV Insurance Brokers who will provide you a policy that is right for you! We know what brokers will be able to help you the most, providing lorry insurance at competitive prices. Policies are completely tailorable and flexible should you need to make changes.

Whether you are a self-employed driver (known as an owner operator) or someone needing to insure a number of HGV’s, we will be able to help you find cheap lorry insurance!

What is HGV & Lorry 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.

Types of HGV 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 or Haulage 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 for Lorry Drivers

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 protection covers the cost of lawyers and all legal fees involved with fighting any case or claim.

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 HGV Insurance

If you are in charge of multiple vehicles, a hgv 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.

Your policy can also 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

HGV Cover Essentials

Whether you run a fleet of heavy goods vehicles as part of your business, or just have one or two, having the right insurance is vital. There are many complexities involved when considering your policy. You need to make sure your cover meets the needs of your business. Here is a brief checklist of things to consider 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 are all things that your policy needs to cover. But there’s more.

As well as your insurance adequately covering your needs. Your drivers need to be carrying out 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 your maintenance records up to date and accurate?

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, 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

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

Are your drivers taking all the breaks they need to and are these being properly documented? EU law states that a driver must take a 45-minute break every 4.5 hours. Being a HGV driver 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 favourite music without anyone complaining that they’re fed up of hearing it, or getting to read a book without interruptions when you have a break. The hours can be long, but we are here to make sure that your trucks are covered for your peace of mind. Contact us for a comprehensive quote that meets your requirements and we’ll help you get the cover 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.

HGV Insurance

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