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HGV truck insurance for one vehicle
If you only have one or two HGVs to insure, then these can be covered by individual insurance policies, so it is ideal for owner drivers. If you have 3 or more HGVs, you could benefit from HGV fleet insurance cover to help you manage your vehicles under one policy, so it is ideal for owner drivers. No matter your business type or size, it’s important to have protection for your vehicle and the items you carry.
Our professional and friendly staff have years of experience in commercial insurance for HGVs and, as a haulage specialist, are able to look for the right policy for you. If your vehicle weighs more than 7.5 tonnes then HGV insurance is essential.
What does HGV insurance include?
Our professional and friendly staff have years of experience in commercial insurance for HGVs and, as a haulage specialist, are able to look for the right policy for you.
If your vehicle weighs more than 7.5 tonnes then HGV insurance is essential.
- Claims management cover
- Optional European cover
- Protected no claims bonus
- Own goods or hire and reward usage options
- Personal effects cover
- Legal cover
- Breakdown cover (subject to policy)
- Introductory discounts
- Any driver cover options
What is insurance for HGVs?
HGV insurance is a legally required protection for any heavy goods vehicle. It can protect you, your business, driver and any third parties when claims are made as a result of road traffic accidents or damage to people or property in connection with your HGV vehicle. You can also arrange cover for the freight that you carry, to protect the cost of replacing damaged, stolen or lost items in transit.
Single HGV insurance protects only one vehicle. If you have multiple vehicles to insure, HGV fleet insurance may suit your needs more.
Do I need HGV Goods in Transit insurance?
Goods in Transit insurance (more commonly known as freight cover for HGVs) is a recommended cover with HGV insurance policies. Freight cover provides protection should there be loss or damage to any goods in the HGV while the vehicle was on the road.
How do I choose my insurance policy?
The details of precisely what you or your business does can have a significant impact on your insurance policy. That’s why you need a specialist insurance broker on your side. For example, you may carry frozen or refrigerated food. If the vehicle broke down or the refrigeration failed, you may be held liable for the goods being rendered unusable. It might be that you carry very high value goods and so again your policy needs to reflect the exact nature of the risk.
Cover can also be arranged for:
Office or base cover
Goods in transit cover
How much is HGV insurance in the UK?
How much your single HGV insurance costs varies on several factors including the type of vehicle, the freight you carry, driving history, history of claims made, and the type of insurance cover you select.
You could potentially save on your insurance premium with the installation of telematics devices, which can help you track your vehicles and driver activity, and report insurance claims. We can help to advise on this. Our expert team has many years of experience. Get a quote from us now to see how much you could save on your insurance costs.
We can quote on the following HGV vehicles:
Ice cream vans
Bulk carriers & low loaders
Why choose us?
Not sure which cover you require?
Call us directly on 0114 261 2020 for a quote today.
Our team of dedicated sales experts will take you through the process of setting up your new HGV insurance policy from quote to inception. We will also be here to offer any advice or help you may need after you have taken out your policy with us.