HGV Insurance

Specialist cover for HGVs. Insurance for individual trucks and HGV fleets.

What is HGV insurance?

HGV insurance covers long-distance hauliers to transport freight, whether that’s their own goods or goods carried for hire and reward. Individual HGVs can be insured, though it is more common to combine 3 or more HGV vehicles into a single fleet policy. Cover can be arranged for vehicles and the freight carried. Speak to us about the type of goods you carry so we can advise on suitable, specialist cover for your business.

HGV fleet insurance 

This gives you one renewal date and allows you to manage your vehicles and drivers under one policy, helping to improve efficiency in managing your fleet.

In addition to HGV fleet cover, we can also provide a range of telematics products to assist in vehicle tracking, driver training and keeping your insurance claims in check, potentially saving you money on your insurance premiums.

Do I need HGV insurance?

Our staff have years of experience in commercial motor insurance and, as a haulage specialist, can look for the right policy for you. If your vehicle weighs more than 3.5 tonnes, then HGV insurance is essential.

Here at Radius Insurance Solutions, we know that everyone’s insurance needs are different. Relying on a policy which is not specific to you could result in claims being refused, so please talk to us and make sure you are covered for most eventualities.

  • HGV fleet insurance
  • 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

Do I need HGV insurance?

Our professional and friendly staff have years of experience in commercial motor insurance and, as a haulage specialist, can search for suitable cover for you. If your vehicle weighs more than 7.5 tonnes and you carry freight then HGV insurance is essential to keep your vehicle on the road.

Whether you run a business with several vehicles and require HGV fleet insurance, or are a sole trader who requires a single policy, it is important you are correctly covered at all times. No matter whether you run a business moving your own stock, or if you are a business transporting other businesses goods or assets for customers, you must have cover for your vehicle. It is also highly recommended to cover the items you are transporting, too.

How much does HGV insurance cost?

How much HGV insurance costs depends on the type of cover you choose, the number and type of vehicles, the goods you carry, who will be driving the vehicles, your history of claims, and more. You may be able to get cheaper insurance quotes by choosing a Named Driver policy for fleets, adjusting your level of cover and talking to our expert insurance team for further guidance.

What cover do I need in my HGV insurance policy?

When it comes to HGV insurance, 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:

  1. Employers' liability
  2. Public liability
  3. Office or base cover
  4. Goods in transit cover

Why choose us?

  • Shop the market

    We liaise with our panel of up to 120 insurers to find you covers that are tailored to your business’ unique needs.

  • Additional services

    We can combine other Radius services to include wider products and services such as telematics, telecoms and vehicle leasing.

  • Range of cover

    Cover available for a vast range of vehicle types from 7.5 to 44 tonnes.

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.