How the process works and what we do
We provide a quick and easy prcoess to finding HGV Insurance quotes
Complete our quick & easy form with a few essential details about you and your policy needs
We search our panel of specialists to find you the brokers who can quote you the cheapest for your policy requirements
You save money by picking the right policy at the right price from a broker of your choice
Compare HGV Insurance Quotes
We work with specialist HGV insurance brokers who will provide you a policy that is right for you! We know what HGV insurance 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 at any time.
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 the right lorry insurance at the right price!
What is Lorry Insurance?
Lorry insurance is a policy designed specifically for vehicles that are 7.5 tonne or over. It will cover the cab, the trailer, the goods carried, the driver, and anything else you may wish to protect.
HGV Insurance will cover either UK Only, UK and Europe or International cover.
There are a lot of aspects to truck insurance quotes and it is important that you get them right and cover the exact areas that you need cover for.
Many operators within the haulage industry will refer to it as ‘haulage insurance’.
Types of HGV Insurance
HGV 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 levels of cover you select is up to you.
Contents or Haulage Cover
It goes without saying that HGV’s were made to carry goods belonging to either you or someone else. 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 HGV Cover
When you drive on European roads, it will be a legal requirement for you to have insurance for European countries.
Legal fees protection covers the cost of lawyers and all legal fees involved with fighting any case or claim.
This is essential for any truck driver. Breaking down at the side of the road costs you money. By having correct breakdown cover, you can mitigate this cost as you will be able to get trading again much quicker.
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.
HGV Fleet 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 HGV 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?
Do I need HGV Insurance?
If you operate any form of vehicle on UK roads, then yes, you do require insurance by law. If you use a vehicle such as a HGV to transport goods, then although you don’t legally need insurance for those goods, most companies will only use you if you do insure those goods.
Hauling goods across the UK, Europe or even internationally is risky and you would be wise to insure everything and not just the lorry.
How much do HGV policies cost?
Like all insurances, the cost of your HGV Insurance can differ greatly depending on several aspects.
Assuming you have a valid operators licence (required to operate any truck for any commercial use) you can then move on to working out how much you lorry insurance may cost.
Breakdown your Insurance Requirements
Before contacting us, have a think about breaking down your policy and what you need to insure both vehicle and use wise.
What is the value of your Truck?
A relatively obvious one but work out the value of your truck. In the event your HGV is written off, how much would it be worth if selling. Remember not to under value your truck as in the event of a write off, the insurance company won’t pay out it’s true value and could potentially leave you short changed in your ability to buy a new one. If your HGV is worth £30,000, then make sure you declare £30,000 and not £25,000.
Age of your Vehicle
The age of your vehicle will have a bearing on the cost of your insurance. A newer truck will cost less than an older one. By investing in a HGV of a much younger age, costs associated with breaking down and repairing and retrieval are considerably reduce. A breakdown whilst in Europe can be extremely expensive.
What will you carry using your HGV?
Understanding the goods you carry is crucial to operating safely and protecting your clients cargo. If you carry bulk materials such as gravel, this will be relatively cheaper to insure the carrying of in comparison to something like high value goods or oil for instance. Work out exactly what it is you are likely to transport day to day.
Where will you be transporting goods?
Take time to think about where you are likely to travel. If you are only going to be carrying bulk materials, it is likely you will only be transporting within the UK. If you are transporting food, it is very likely that you will be travelling across Europe as well. UK only or UK and Europe will cost different amounts due to the risk associated with the locations.
Can I get a Cheap Lorry Insurance Policy?
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 your Lorry Insurance
Everyone wants to save money on their HGV 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 recommend that in order for us to help you best, have all your lorry insurance 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).
Use a specialist insurance broker
A specialist HGV insurance broker will be able to find you an insurance policy for your fleet that best suits the needs of your company. Using a broker can save you much time-consuming legwork too! HGV’s don’t need to be big either to apply for a HGV policy. If you have anything about 3.5 tonne, then you are fine. Most lorries will be covered with a 7.5 tonne lorry insurance.
Choose the right level of cover
Although the bare minimum requirement to remain within the law is third-party cover, this is not necessarily the cheapest option. In fact, it can often work out cheaper to opt for comprehensive insurance cover. This not only saves you money, it also buys you peace of mind that in the event of an accident or damage to your vehicle, your business will not suffer financially.
Also, taking out fleet cover may well work out cheaper than insuring each vehicle separately.
Any insurance policy for HGVs comes with a compulsory excess. The excess is the amount you must pay towards any claim, before receiving a pay-out. Insurers levy an excess in order to discourage minor claims.
You can often save money on your insurance premiums by agreeing to an additional voluntary excess amount.
Do I need a HGV Operators License in the UK?
The question of requirement of a Operators licence to drive a HGV is commonly asked and often misunderstood. In short though, the answer is Yes, you will need one subject to a few exceptions.
What is an Operators Licence?
An Operators licence, or commonly known as an ‘O Licence’ is a legal authority required to drive and operate a goods vehicle here in the UK. Licences are issued by an independent regulator, the Traffic Commissioner who also holds the power to press action against those who fail to meet the standards expected of a licence holder. These actions can include curtailment, which is to limit or reduce the number of vehicles an operator is able to operate, suspension or revocation (short term of permanent removal of a licence stopping you from operating).
When do I need an Operators Licence?
You need an operators licence to operate vehicles that are above 3.5 Tonnes gross vehicle weight that are to be used for the transport of goods on public roads for commercial of business purposes. Essentially, this means and vehicle used by a business that weighs more than 3.5T will require an O Licence. This also includes short term use.
The Operator’s licence is to be held by the person who uses the vehicle. This can be an individual or company. The ‘user’ of the vehicle can be defined by:
- the driver, if they own, lease or borrow the vehicle. Commonly known as an ‘Owner-driver setup’.
- the employer or controller of the driver using the vehicle.
As well as holding an operators licence, all holders, or drivers working under a holder must be professionally competent. It is suggested that all drivers and operators gain a National Certificate or Professional Competence.
Will I get Insurance without an Operators Licence?
Most HGV Insurance Brokers will not quote unless a valid operators licence is in place. It is possible to gain a policy if you are driving a classic where you will not be using it for commercial gain or carriage of goods. You can find out more about this on our Classic HGV Insurance page.
If possible, use a regular team of drivers, rather than occasional staff. If you are able to include “named drivers” on your insurance policy, you may be able to keep the premium down, especially if you have drivers aged under 25 on your books.
However, it’s clearly important that everyone included in the policy has a clean driving license and a blemish-free motoring history, otherwise, the premium may be increased to take this into account!
Companies should also train drivers properly to carry the goods they transport. You should also provide regular refresher training to ensure they don’t fall into bad habits.
Your drivers should be taking breaks and correctly documenting them. 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.
Why use Total Insurance?
The brokers we use have years of experience in providing HGV insurance to 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
We will connect you with FCA regulated companies that will provide you competitive HGV Insurance.