Truck & HGV Insurance

Truck and HGV insurance provides operators with the cover legally required when driving a vehicle on the road — unlimited cover for third-party injury or death, and cover for damage to third-party property of not less than £1.2 million. Comprehensive cover also protects against loss or damage to your own vehicle (an excess will apply to own damage claims — amounts vary and will be detailed in your quotation). The policies we offer are particularly suited to road haulage businesses running HGVs over 7.5T, from a single vehicle up to a full fleet.

We can cover most truck and HGV types, including rigids and articulated lorries (typically 18–44T), tippers, concrete mixers, skip lorries, box/curtain-side, flatbeds, livestock vehicles, aggregate lorries and more. We're also one of the few UK specialists in the heavy haulage and abnormal load market, so speak to us if your vehicle exceeds 44T GVW. Please note we cannot offer cover for personal or pickup trucks. 

Most customers choose comprehensive cover, which protects against third-party claims as well as loss or damage to your own vehicle. More limited third-party fire and theft, and third-party only coverage is also available. Cover is available for trailers as well as tractor units.

Yes. Whether you're an owner-driver or a fleet operator, truck and HGV insurance is a legal requirement. Comprehensive cover also protects your vehicles — which represent a significant business investment — against loss and damage

No — we're a one-stop shop. As well as motor insurance, we can arrange goods-in-transit, public liability, employers' liability, breakdown, property, business interruption, cyber cover, commercial legal expenses, uninsured loss recovery and more.

If you employ anyone — even occasionally or temporarily — you are legally required to have employers' liability insurance, unless an exemption applies (such as a family business where every employee is a close family member and the business is not incorporated as a limited company). We can arrange this alongside your truck and HGV policy. Find out more on the HSE website.

We understand the cost pressures on new businesses and will work with you to explore the cover, service and pricing options available — including introductory and no-claims discounts for drivers with a claim-free history. Discounts are subject to insurers' underwriting criteria and individual circumstances.

While we consider the nature of your work and the locations involved, we can usually find a suitable level of cover. Our specialists have training in this complex area and can advise you over the telephone.

Yes. We know how important airside cover can be for some operators and can usually arrange it on request.

Don't buy on price alone.

Also consider: 

• Whether the insurer is financially sound and able to pay claims

• Whether the cover provides the protection you actually need, with no hidden exclusions

• Whether your broker is a genuine specialist you can rely on for advice

• The level of service you can expect from both broker and insurer at the point of claim

Premiums vary by insurer and depend on factors including:

• The value of your vehicles

• Where your vehicles operate, including abroad

• The nature of your business activities and any hazardous sites or loads

• Driver profiles — age, experience, accident and conviction history

• Whether telematics or camera systems are installed

• Past claims experience (fleet-rated policies typically apply above 5 vehicles)

In addition to standard exclusions (war risks, radioactive contamination, terrorism), common exclusions include:

• Claims arising from contractual agreements where a claim wouldn't otherwise have been accepted

• Use outside what the certificate of insurance permits (e.g. racing or speed testing)

• Driving by someone not permitted by the certificate, or without a valid licence

• Vehicles driven 'airside' without specific cover in place

Full terms, conditions and exclusions are available in the policy wording through the quotation process.

Yes. We offer a quick and easy direct debit scheme to spread the cost of your annual premium. You will pay under a Premium Finance plan; full details including total payable, number of instalments, cost of each and representative APR will be provided before you proceed.