HGV Fleet Insurance
Competitive HGV Insurance Backed By ‘Exceptional’ Service


Want to save money on your HGV fleet insurance? Let the fleet insurance specialists at Coversure compare our markets to find you the HGV insurance that’s right for you. If you have two or more lorries we can offer you great value truck fleet insurance for everything from 3.5 tonne to 44 tonne lorries. For independent advice and great value HGV fleet insurance quotes, call us today on 01482 434343 or request a callback and let our award-winning team compare the market to help you get cheaper HGV insurance.
HGV Fleet Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of HGV and lorry insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 01482 434343 or start your HGV fleet insurance quote today.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 01482 434343 and let our award-winning team help you.
What Is HGV Fleet Insurance?
HGV fleet insurance, or truck fleet insurance as it’s also known, has been designed to meet the needs of HGV owners with two or more lorries to insure. Cover gives owners of multiple heavy goods vehicles the protection they need to drive their vehicles on the road, along with a range of helpful options, such as truck breakdown insurance and goods in transit insurance. It also gives HGV owners one policy to administer, allows them to add and remove drivers as they need to, and offers lower overall insurance costs, so an HGV fleet insurance policy can save you time and money.
To find out more, call us free on 01482 434343, request a callback or get your HGV insurance quote today.


What types of HGV Fleet Insurance are there?
There are three levels of HGV insurance:
Third-party – the minimum requirement to drive your lorries on the road. It ensures you’re covered should you damage someone else’s vehicle if the accident is your fault
Third-party, fire, and theft – covers you should you damage someone else’s vehicle in an accident that is your fault or if one or more of your HGVs is accidentally damaged or destroyed by fire or stolen
Fully comprehensive – provides the same cover as third-party, fire, and theft but if an incident is your fault, then repairs to your truck will be covered

What are the benefits of HGV Fleet Insurance?
There are many benefits to having HGV fleet insurance, especially if you have a haulage or logistics business with multiple trucks being driven by several drivers. The main benefits of HGV fleet insurance are:
Save money and time
Enjoy greater flexibility
Cover for all drivers
Easier risk management
Are there any policy options for HGV Fleet Insurance?
Yes, there are several policy options when for truck fleet insurance, and we’ve outlined the most common ones here. If you have something specific in mind, please call us on 01482 434343 and our experienced team will be happy to help.
Public liability insurance
Employers’ liability insurance
Goods in transit insurance
European cover
Loss of licence insurance
Road legal protection insurance
Truck breakdown insurance
Commercial property insurance
Directors’ and officers’ insurance
Haulier’s insurance
Call us today on 01482 434343 and let our award-winning team help you.
Benefits
What are the benefits of HGV Fleet Insurance?
There are many benefits to having this type of policy in place, the principal ones begin that you could:
Save Money
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Save Time
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Flexibility
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Enjoy greater flexibility
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.
Cover for complex driving risks
By insuring multiple vehicles with business fleet insurance, you can reduce your pre-vehicle insurance costs.

Save time as you only have one policy to administer

Save money as your insurance costs per truck will be lower

Enjoy the flexibility to add and remove vehicles and drivers as you need to
Find it easier to cover complex risks, such as drivers with poor claims histories or young drivers
How much does
HGV Fleet Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions. Instead, we’ll get to know your truck fleet insurance needs and create a package of cover that fits your requirements. If you’d like to know more, please call us on 01482 434343, request a callback or start your HGV fleet insurance quote here.
How many lorries do you have – if you have more than two then you should consider truck fleet insurance as it could save you money and time
The value of your vehicle(s)
The type and condition of your truck(s)
Who will be driving your vehicles and the driver’s age
Your claims history
What they are being used for – high mileage vehicles like haulier’s lorries can be more expensive to insure
The turnover of your business
How much no-claims bonus you’ve earned
Whether you want to pay monthly or annually – annually will usually prove cheaper
What you are carrying and for whom
Where your vehicles are stored overnight and at the weekend
If you want a named driver or any-driver policy
How to get cheaper HGV Fleet Insurance
There are several easy ways to potentially get cheaper HGV fleet insurance, including:
Using an independent fleet insurance broker. An independent fleet insurance broker like Coversure not only has expert knowledge of fleet insurance but we also have multiple insurer contacts so we can compare the market for you and get you a great deal
Completing a risk assessment with your broker so they can see where you can save money, by choosing a named-driver policy or fitting a telematics system, for example
Reducing the risks posed by young drivers by only allowing them to drive when accompanied by a more experienced driver, in daylight or by reducing their overall mileage
Renewing your policy early to give your broker time to shop around for you
Securing your vehicles by adding an extra security kit. Things like vehicle trackers, interior cams, telematics systems etc., and parking vehicles securely overnight and at weekends can really help reduce your costs
Training your drivers. A Department of Transport report on driver training has suggested that if drivers had better hazard perception training, it could lead to an 11% reduction in collisions, and fewer collisions can mean fewer claims and lower business fleet insurance premiums
What types of HGV Fleet Insurance are there?
Like your car insurance, you can choose from three levels of HGV fleet insurance cover:
Third-party
The minimum legal requirement to drive your vehicles on the road. If an accident is your fault it will pay for the repairs to a third-party’s vehicle
Third party fire and theft
In the event of an accident that is your fault, it will pay for the repairs to a third party’s vehicle or if one or more of your vehicles is damaged accidentally or destroyed by fire or stolen
Fully comprehensive
Provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your vehicle will be covered as well as those of a third-party
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
Frequently Asked Questions
Frequently Asked Questions
We get asked a lot of questions about fleet insurance so to make getting the cover you need easier, here are our HGV fleet insurance frequently asked questions and answers. We’ve covered the most important issues here, but if you’d like some independent advice, then please call us on 01482 434343 or request a callback. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you and your business.
Not specifically, but you will need lorry insurance to drive your vehicles on public roads
There are several ways to get cheaper HGV fleet insurance including using an independent insurance broker, raising your excess, and building up your no-claims bonus. If you’d like some help cutting the costs of your lorry insurance, then please call us on 01482 434343 or request a callback and our team of specialists will be happy to help
Yes, if the no-claims bonus was earned on vehicles in the UK
Yes, you can choose a third-party, third-party fire and theft or fully comprehensive HGV insurance policy
Getting a truck fleet insurance quote from us is easy. You can call us on 01483 434343, request a callback or get your HGV fleet insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
Insuring drivers under 21 or over 69 can be hard. Thanks to our wide range of insurance providers, we can be flexible and can get truck insurance quotes for even challenging risks. To get some personalised professional advice, call the team on 01483 434343
If you want to drive anything over a 3.5-tonne vehicle, you’ll need an operator’s licence. This applies whether you’re carrying your goods or others for money, so-called hire and reward
If you have two or more lorries, you can get HGV fleet insurance from us
Not specifically, but you will need lorry insurance to drive your vehicles on public roads
There are several ways to get cheaper HGV fleet insurance, including using an independent insurance broker, raising your excess, and building up your no-claims bonus. If you’d like some help cutting the costs of your lorry insurance, then please call us on 01482 434343 or request a callback and our team of specialists will be happy to help
Yes, you can choose a third-party, third-party fire and theft or fully comprehensive HGV insurance policy
Getting a truck fleet insurance quote from us is easy. You can call us on 01483 434343, request a callback or get your HGV fleet insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
If you want to drive anything over a 3.5-tonne vehicle, you’ll need an operator’s licence. This applies whether you’re carrying your goods or others for money, so-called hire and reward
Insuring drivers under 21 or over 69 can be hard. Thanks to our wide range of insurance providers, we can be flexible and can get truck insurance quotes for even challenging risks. To get some personalised professional advice, call the team on 01483 434343
If you have two or more lorries, you can get HGV fleet insurance from us
If you have two or more lorries, you can get HGV fleet insurance from us