HGV Insurance

HGV Insurance, also known as Haulage Insurance, provides cover for vehicles carrying a single load of goods to one drop-off point.

Courier Insurance provides cover for vehicles carrying goods with multiple pick-up and drop-off points.

If you’re unsure what policy would work best for you, give us a call today and our team of experts can help you with any queries you have.

It will depend on the insurer whether or not the transit of hazardous goods is covered by your policy.

Hazardous goods can include:
• Chemicals, such as pesticides or disinfectants
• Fuel products
• Medical equipment
• Concrete
• Paint

If you transport hazardous products and you’re looking to insure your HGV, don’t hesitate to get in touch with our team of experts today. We can help you with any queries you may have.

Goods In Transit Insurance provides cover for the damage or loss of goods when they’re being transported from one place to another.

Typically, insurers will not include Goods In Transit cover in their HGV Insurance policy. If you want to cover the goods that you transport with your truck, you may have to purchase Goods In Transit cover as an optional extra.

If you have any more questions about Goods In Transit cover, get in touch with our team today and we can help you with any specific queries you have.

Yes, we can insure multiple vehicles.

We work with insurers who can provide cover for one vehicle, offer multi-vehicle policies and those who will insure fleets on HGV Fleet Insurance basis.

We can take into account No Claims Discount from previous HGV policies to get you discounts from the insurers that we work with.

If you are claim-free through the HGV policy you take out with us, you will earn No Claims Discount at the renewal of your insurance.

Public Liability insurance protects drivers in the event that their actions result in injury to a member of the public or damage to their property as a result of an accident that does not directly involve the insured vehicle.

Public Liability may be included in your HGV Insurance policy, but it will depend on the insurer. It can be an optional extra that you pay for, or it can be a separate standalone policy.

Should you have any further questions about Public Liability Insurance, don’t hesitate to get in touch with us today. Our team of experts can help you with any queries you have.

To be able to legally drive a truck, you need to complete a driving qualification called the Driver Certfifcate of Professional Competence (CPC). All drivers on a HGV Insurance policy will need to hold this qualification in order for it to be valid.

On HGV Insurance policies, drivers may also be required to hold an appropriate operator’s licence to be able to drive the covered vehicles.

An HGV (heavy goods vehicle) refers to lorries and trucks that have a gross weight exceeding 3.5 tonnes.

An LGV (light goods vehicles) typically refers to vans that have a gross weight of 3.5 tonnes or less.

Sometimes insurers use the term LGV to mean ‘large goods vehicle’. This means the same as an HGV, which can sometimes cause confusion for those looking for the right type of insurance for their business.

Every insurance provider is different, and so are their policies. Sometimes what’s included as standard on one HGV Insurance policy will only be available as a paid extra on another.

Typically, most insurance providers will offer these policies, but they may need to be purchased at an extra cost alongside your core policy:

• Goods in transit cover – covers the damage or loss of goods when they’re being transported from one place to another.

• European cover – covers you if you or your drivers deliver goods to Europe.

• Breakdown assistance – protects you if your truck breaks down while driving.

• Employee liability cover – covers the cost of compensation if your employees are injured at work. This is a legal requirement if you employ staff.

• Public liability – can cover your legal costs in an event involving the member of the public.