HGV FAQ’s

Buying HGV Insurance can come with a lot of questions. Here we have answered and explained some of the most frequently asked lorry insurance questions.

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.

Yes, regardless of how heavy your lorry is, we will be able to find you a hgv broker that covers that and more.

Buying a policy is not always as easy as it seems. Assuming you are an actual car trader, you must first determine what kind of policy is right for your business (our advisors can help with this). You can see from the insurance quotes the differences in their features, coverage, as well as premiums.

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.

Yes. Employers liability cover was made mandatory in the UK by the Employer’s Liability Compulsory Insurance Act 1969.

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.

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.

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HGV Insurance

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