Cheap Car Insurance for HGV Drivers
Car Insurance for HGV Drivers - Compare Cheap Quotes
If you drive a heavy goods vehicle (HGV) for a living then many insurance providers will class you as a professional driver, which can sometimes translate into cheaper car insurance for HGV drivers.
Of course, your occupation is just one of the variables that go into a car insurance premium calculation, so if any of the other factors imply that you might be a riskier driver then your quote could be higher.
Where you live (and the crime rate in that area), the kind of car you drive, where you normally park your car when you aren’t driving it, your driving record, the size of your No Claims Discount, the level of coverage you’d like to take out and size of your voluntary excess can all influence the cost of car insurance for HGV drivers, which means you could end up paying more or less than some other professions depending on whether those variables work for or against you.
However, all other things being equal, the fact that you have so much experience behind the wheel could potentially work in your favour, so it’s worth comparing car insurance quotes for HGV drivers to find out how much you might be able to save.
Why would being a professional driver affect the cost of my private car insurance?
Each one of the factors insurance providers take into consideration when calculating your insurance premium is intended to help them get a picture of how risky you might be as a policyholder.
In theory professional drivers like HGV drivers, bus drivers and taxi drivers should be better drivers, because they get so much practice behind the wheel, which suggests professional drivers should be a lower insurance risk, on average, than many other professions.
Of course, driving a heavy goods vehicle is very different from driving a Vauxhall Corsa or a Ford Fiesta, so your experience behind the wheel doesn’t necessarily translate perfectly. It’s also worth mentioning that some HGV drivers may have driven for long shifts before they get behind the wheel of their own car, which could contribute to a higher accident rate for these motorists than for people in some other professions.
I’ve built up a large NCD on my HGV insurance, will this help to reduce the cost of my private car insurance?
No, HGV insurance is a commercial vehicle insurance policy, whereas the car insurance policy for your own car is a private vehicle insurance policy, so the NCD usually can’t be transferred from one to the other nor can it be mirrored across the two policies.
While this does mean your car insurance for HGV drivers probably won’t be as cheap as it would have been if you could have used your No Claims Discount, it works the other way around too. If you have an accident while driving your heavy goods vehicle this shouldn’t affect the cost of your private car insurance, because both policies have separate NCDs.
If I’m away for work for long periods of time should I opt for a short-term car insurance policy?
If you don’t need a car insurance policy all year round temporary car insurance might be a suitable option, because you’d only be taking out insurance for the periods you need it.
However, it’s also worth mentioning that when you take out an annual car insurance policy your mileage can affect the cost of your insurance. If you are away on long-haul journeys for days or weeks at a time there’s a good chance you’ll clock up far fewer miles in your own car during the course of the year, which could translate into cheaper insurance even if you do decide to take out a policy for the whole year.
Do car insurance providers offer special policy features for HGV drivers?
Some car insurance providers do partner with services aimed at HGV drivers in order to offer policyholders a discount on those services when they take out car insurance for HGV drivers, but the policy features of the car insurance policies themselves usually don’t change.
As with all motorists, when HGV drivers are taking out a car insurance policy they will have the option to sign up for fully comprehensive, third party, fire and theft or third party only insurance, and they will also have the optional to take out the same optional extras such as legal cover or windscreen cover.