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What is truck insurance?
Truck or lorry insurance policies offer cover that can be tailored to a variety of trucks, including HGVs (heavy goods vehicles), LGVs (light goods vehicles), and specialist trucks like recycling trucks or refrigerated lorries. Truck or HGV insurance is available for individual vehicles or as fleet insurance, which allows multiple lorries to be insured on one policy.
Who needs truck insurance?
If you drive any truck on public roads, you need insurance by law, unless the vehicle is SORN. This applies whether you are a sole trader, fleet operator, business owner, or driving for private use. People who can benefit from truck insurance include:
Sole traders or owner-drivers
Operating a truck for your own business or subcontracting to others.
Haulage and logistics companies
Long-distance haulage or freight companies, like container hauliers and distribution firms, needing 7.5t lorry insurance.
Delivery services
Companies using LGVs, including panel or luton vans, to fulfil courier and delivery services.
Agricultural operators
Farmers using trucks or livestock carriers on public roads.
Construction companies
Businesses using heavy building machinery or forklifts to move materials on-site.
Removal companies
When assisting people or businesses with relocating using trucks or LGVs.
Waste and recycling firms
Firms that collect and carry waste or recyclable materials using specialist vehicles like skip lorries or compactors.
Why do you need truck insurance in the UK?
Firstly, it is illegal to drive on public roads in the UK without insurance for an HGV. You will need at least third party liability cover. This protects you from claims made for damage or injury you’ve caused to others or their property.
Comprehensive insurance also provides financial protection if your vehicle is involved in an accident or is stolen. It can cover the cost of repairs or replacing the vehicle, meaning your business can continue to function after unexpected damage.
Some HGV insurance might also be needed to work with other businesses. Many companies require you to have insurance that protects their goods while it is in transit.
What does lorry insurance cover?
These policies cover a wide range of uses, so they can be personalised to meet your needs. When you compare truck insurance quotes, you can specify the types of coverage you want to include. Your options are:
The coverage level
- Comprehensive insurance
- Third-party, fire and theft insurance
- Third-party insurance
Cover for different usage
- Commercial carriage of your own goods
- Commercial haulage services for others
- Personal, social, domestic, and pleasure use
Cover for different locations
- Within the UK only
- Within the UK and EU
- Worldwide
Coverage for different drivers
- One main driver only
- One main driver and a named driver
- One main driver and 2 or more named drivers
- Any qualified driver over the age of 25
Optional extras and add-ons
Additional coverage can be added to your truck policy to provide any extra protection you need. Add-on options vary from insurer to insurer, but some common options include:
Breakdown cover
This is not typically included as a standard on many truck policies, but it can prove invaluable if one of your drivers needs roadside assistance.
Goods in transit insurance (GIT)
GIT insurance covers the value of the goods you are transporting. You will need to declare the nature of the goods, as coverage can be more limited if they are hazardous.
Replacement vehicle cover
If a truck is off the road due to repairs or theft, this provides a replacement vehicle to help maintain business continuity and prevent disruptions to your operations.
Personal effects cover
This covers any of your drivers’ personal possessions that are stolen from the truck or lost in an accident.
Legal expenses cover
This helps pay legal fees if you need to go to court or pay compensation to settle a dispute relating to an accident involving your truck.
Replacement locks
In cases where the vehicle keys are lost or stolen, this will cover the cost of installing replacement locks.
What vehicles can be covered under commercial truck insurance?
Artic lorries
These are lorries where the cab is separate from the body. They include common models like curtainside, dropside, or flatbed lorries.
Rigid lorries
With these vehicles, there is no separation between the cab and the body. For example, skip carriers, concrete mixers, or mobile cranes.
Specialist trucks
These are trucks specialised to certain industries and needs, like road services or waste management vehicles, including dust carts or cesspool emptiers.
How much is insurance for a lorry?
Truck or HGV insurance costs vary widely from case to case. That’s because each policyholder has a unique risk profile and will choose different levels of coverage. Insurance providers also assess their risks slightly differently, and prices change as a result. Factors that affect the cost of truck coverage include:
The truck being insured
The type of truck, its make, model, and overall value are all considered. This also indicates how expensive the vehicle will be to repair and how easy it is to access spare parts.
Who is driving
The more people you insure on the policy, the dearer it will generally be. Insurers will look at the drivers’ driving history and any past points or convictions, too.
How you use the truck
Personal uses like attending truck shows will typically be much lower risk than international haulage for commercial purposes.
Security features
Where and how the vehicle is stored when it is not on the road is a huge risk indicator. As are the security features of the vehicle itself.
The goods transported
The nature of the goods your trucks transport and the value of each load will also be significant.
Annual mileage
More miles on the road mean a higher risk of trucks being involved in an accident.
How can I get cheap truck insurance?
Shopping for cheap truck insurance starts with comparing quotes from as many providers as possible. When you use Quotezone, we match your unique needs to our panel of trusted UK truck insurance providers and put you in contact with your three cheapest options. Other steps that could help lower costs are:
Consider a fleet policy if you are insuring more than one commercial vehicle.
Choose only the cover you need so you don’t over-insure.
Insure only experienced drivers with no driving convictions.
Consider choosing a higher excess if you can afford it.
Consider agreeing to use telematics devices to track good driving habits.
Upgrade security measures where you park the trucks overnight.
Train your drivers and offer additional driving courses.
Start building a good claims history in your business insurance policies.
How do I get a HGV insurance quote?
1. Firstly, gather the information you need. This includes a complete list of the vehicles you’re insuring, the drivers, and what coverage you want to be included.
2. Use our truck insurance quote form to be matched with quotes for policies that meet your needs.
3. Speak directly with insurance professionals who can advise you, and complete your truck insurance comparison by choosing your best option.
Truck insurance FAQs
What counts as a HGV for insurance companies?
Can I get cover for hazardous goods?
What is the difference between truck and van insurance?
Can I insure multiple trucks under one policy?
Can I get HGV insurance for a young driver?
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