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HGV Insurance

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Finding your HGV Insurance has never been easier!

Your policy found through us will have been compared against multiple Expert HGV Insurance brokers before you buy it. This ensures you really are getting the best rate possible!

Have more than 1 HGV? Apply for HGV Fleet Insurance.

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What is HGV Insurance

HGV Insurance is a policy designed to cover the tractor cab and trailer of your vehicle as well as the goods that you may carry and its general use. A rigid vehicle can also be easily covered under a HGV policy.  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.

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.

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.

Comprehensive Heavy Goods Vehicle Insurance
Much like private car, this level or cover will ensure you are covered regardless of whether you are at fault or not.

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, and 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?

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.

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

Why Choose Total HGV Insurance Comparison?

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

Can I get a Cheap HGV Insurance?

Like any policy, it depends 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.

We always suggest contacting our advisors to find out more.

What is a HGV Truck Insurance policy?

A HGV Insurance policy is designed to cover those who work with lorries or within the haulage industry in general. The policy generally has multiple sections to it. The polices often offered are for hauliers with 1 to 15 lorries ranging from all types and sizes.

What is included with my Lorry Insurance?

Lorry insurance policies have multiple sections helping better cover your business through a better break down of policy sections. HGV Insurance is complex so it is crucial it’s done correct.

What cover should I buy?

This is completely up to you. Some sections of cover, such as truck insurance and employers liability insurance are required by law. Other sections are optional, it comes down to your business needs and personal attitude to risk. The Lorry Insurance broker will be able to help you through the decision making process.

I have a lorry heavier than 44T. Can you still insure me?
Yes, regardless of how heavy your lorry is, we will be able to find you a hgv broker that covers that and more.

Can you cover hazardous materials and locations?
This is a tricky one as it depends on how hazardous the product or location is. Hauling cleaning chemicals would be fine to cover but hauling nuclear waste is extremely different yet both are classed as hazardous. Our brokers can cover 90% of hauliers.

Do I need employers liability insurance?
Yes. Employers liability cover was made mandatory in the UK by the Employer’s Liability Compulsory Insurance Act 1969.

I’m starting a new haulage company – will I be able to get a cheap lorry insurance quote?

This is dependant on your own risk profile.  Someone who has been driving for 10 years, has a claim free record, with the right circumstances (such as employing reliable safe drivers) our brokers will be able to offer a competitive premium.

Do you offer discounts for the use of Forward Facing Cameras and trackers?
This depends on your insurer but typically yes. Installing risk management tools such as cameras and trackers can have a positive impact on a drivers driving style. It also helps monitor a vehicle and where it goes as well as quickly and efficiently solve incidents should they occur.

Whether you are just starting out or have been a HGV veteran for years, everybody has to deal with the hassle of yearly renewals. Here at total, we have spent years refining our systems in order to provide you with the most competitive brokers at the forefront of the HGV marketplace whilst cutting out all the hassle and hard work.

Whether you need insurance policies for under 7.5 tonne, or over 7.5 tonne, we can cater to you, detailing your requirements and searching through our vast network of brokers to ensure that you get the policy you need, whilst saving you up to 45% in the process.

If you are an experienced lorry driver, we don’t have to tell you that making sure you get a policy that fits your needs is crucial to the maintenance and upkeep of your business. We make sure that you save valuable time and money by doing all the hard work for you.

Our simple 3 step process ensures that you will find the right broker for the right prices:

  1. Give us a call, or fill out our quotation form
  2. One of our professional customer care team advisors will get in contact with you in a matter of minutes
  3. Based on your specific details, we will track down the most competitive brokers for you – saving you both time and money!

How long will it take for you to connect me to a lorry broker that can fulfil my requirements?

From the moment of answering your call to speaking direct to a broker who has been chosen based on your specific requirements only takes about 5 minutes!

We make sure that we use only industry leading brokers that have access to the most competitive policies on the market.

We have been sure to create strong bonds with our board of insurers and brokers, which means that we have access to short-que call lines – get your quote within minutes!

Can you explain the vetting process?

In order to get a bespoke policy, we will need to first ask you a few simple questions in order to determine which broker will be able to suit your needs – everybody is different, and as such, policies differ from person-to-person.

After collecting some basic contact information, such as your name, address and postcode, we can then move towards the specifics of the policy you require.

We will need to know whether you are a first time lorry driver looking to start up a brand new policy, or an existing driver looking to renew.

Next, we will need to know whether you have any existing no claims bonus on your policy, as this could reduce policy prices dramatically!

Finally, we will need to know whether you are looking at insuring a single vehicle, or a fleet of lorries, and whether these fall into the 7.5 tonne and below category, or are over 7.5 tonnes.

Once we have found which of our brokers can help you the most, we will transfer you directly to them on a priority line – meaning that you don’t have the hassle of waiting around to speak to a specialist broker. As well as this, we will pass the details that have been taken by us directly to the broker, speeding up the quotation process on their end considerably.

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
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