HGV Insurance

 We use our experience to compare quotes and explain the choices, helping you make an informed decision.

Premiums vary by insurer and by factors like vehicle value, business activity, driver history, camera installation and telematics.

Vehicle loss or damage, third‑party injury and property damage, and often trailer cover too. (An excess will apply to own damage claims – amounts vary and will be detailed in your quotation).

At a basic level, an HGV insurance policy gives HGV operators the cover that they are legally required to have when driving a vehicle on the road. That legal requirement involves unlimited cover for third-party injury or death, and cover for damage to third-party property for an amount not less than £1.2 million.

As well as commercial motor insurance cover, we can also arrange other essential covers for haulage operators like vehicle breakdown, goods-in-transit, public liability, and employers’ liability cover.

No matter how many HGVs you operate, or whether you’re an owner-driver or a fleet operator, you’re going to need HGV insurance; not just because it’s a legal requirement, but because your HGVs represent a very significant investment that requires protection. Comprehensive cover provides protection against not just injury or damage caused by your HGV, but also loss or damage to the HGV itself.

Yes, you can. We pride ourselves on our ability to insure a wide array of HGVs, lorries and trucks, including those used for heavy haulage and abnormal load carriage. Speak to one of our HGV insurance advisers for more information.

While we need to take into consideration the type of work you are undertaking and the locations at which you are working, we can usually arrange the cover you need.

If you have an employee, or employees, even if only occasionally, or temporarily, then you are legally required to have employers’ liability insurance. We can offer employers’ liability cover alongside your HGV insurance policy and the other essential non-motor business insurance covers.

At Everywhen, we understand the cost pressures on new businesses, and we use our expertise to help you explore cover, service and pricing options — including where factors such as driving history, type and value of vehicles, use and types of goods carried may influence the quotes available.

Care needs to be taken when taking out truck insurance to make sure the cover you are buying is what you need and that there are no exclusions that are detrimental to the cover you need. In addition to exclusions such as war risks, damage or contamination caused by radioactive materials, and terrorism, exclusions under a truck insurance policy typically include:

·       Claims arising out of agreements unless a claim would have been accepted in any case.

·       Claims whilst your vehicle is being

o   Used for any purpose that the certificate of insurance does not allow

o   Driven by someone not allowed to drive by the certificate of insurance

o   Driven by you if you do not hold a licence to drive the vehicle or you are disqualified from having such a licence

·       Claims involving a vehicle being driven ‘airside’ (here at Everywhen, we know how important ‘airside’ cover can be for some hauliers and can usually arrange that cover when it’s needed)

Full terms, conditions and exclusions can be found in the policy wording and quote details available through the quotation process.

When choosing an HGV insurance policy, it’s important not to just buy on price, albeit price is always an important consideration. Look closely at other things too like:

• Making sure the cover provides the protection you need is suitable for your circumstances

• What sort of service you can expect from your broker and insurer should you need to make a claim

HGV insurance can be cost a substantial sum of money. Exactly how much each operator has to pay varies from insurer to insurer and depends on a variety of factors. These may include:

• Whether any of your HGVs are of exceptional value

• Where your HGVs are driven and whether they go abroad

• The nature of your business activities and whether you ever visit hazardous sites or carry hazardous loads

• The profile of your drivers in terms of age and experience, and accident and conviction history

• Whether you have telematics devices or camera systems deployed actively to monitor and improve driving style and behaviour

A haulier running up to five vehicles will usually see their HGVs rated individually. Above that number of HGVs, policies tend to be fleet-rated, whereby the premium depends significantly on past claims experience across your HGV fleet.

If you would prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme.

When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments, and the cost of each, as well as the representative APR.