Competitive HGV Insurance Backed By ‘Exceptional’ Service
Want to save money on your lorry insurance? Let the HGV insurance specialists at Coversure compare our markets to find you the truck insurance that’s right for you. We can offer cover for all types of lorries from 3.5 tonnes right up to 44 tonnes and can even offer you competitive HGV fleet insurance. For independent advice and a great value lorry insurance quote, call us today on 01482 434343 or request a callback and let our award-winning team compare the market to help you get cheaper cover.
HGV Insurance backed by ‘Exceptional’ service
Want to save money on your lorry insurance? Let the HGV insurance specialists at Coversure compare our markets to find you the truck insurance that’s right for you. We can offer cover for all types of lorries from 3.5 tonnes right up to 44 tonnes and can even offer you competitive HGV fleet insurance.
For independent advice and a great value lorry insurance quote, call us today on 01482 434343 or request a callback and let our award-winning team compare the market to help you get cheaper cover.
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.
Why choose Coversure for your Lorry and HGV Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial vehicle insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first. We’ll get to know your requirements before comparing the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or get your lorry insurance quote today.
Why choose Coversure for your HGV Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of commercial vehicle insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first. We’ll get to know your requirements before comparing the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback or get your lorry insurance quote today.
What is HGV Insurance?
HGV insurance – heavy truck or lorry insurance as it’s also known – provides lorry owners, haulage firms, and private HGV owners with the cover they need to drive their lorries on the road. A flexible policy, it can be adapted to offer a wide range of protections, including:
Accidents and similar incidents
Public liability
Goods in transit
Loss of licence
Which vehicles can Lorry Insurance cover?
Lorry insurance can cover a surprisingly large range of vehicles, not just articulated lorries and heavy goods vehicles, but heavy trucks we’ve listed here. If you have something else in mind, then please call us on 01482 434343 and our experienced team will be happy to help.
Heavy goods vehicles between 3 and 100 gross traction value (GTV)
Bulk carriers
Electric and hybrid vehicles
Low loaders
Flatbed trucks
Tankers
Breakdown trucks
Skip carriers
Tippers
Gritters
Curtain side lorries
Privately owned HGVs
Refrigerated and insulated lorries
Cement mixers
What to look for in a Truck Insurance policy?
Every truck and HGV owner’s needs are different, and we’ll take the time to know your business’s needs before providing you with an HGV insurance quote.
The option for third party, third party fire and theft, or fully comprehensive cover
A flexible level of excess – the amount you pay in the event of a claim
An-any driver option
Discounts for drivers over 25 or 30 years of age
Uninsured loss recovery insurance up to £100,000
Discounts for additional vehicles
Cover that’s underwritten by major UK insurers and wholesalers – offshore providers can be cheaper, but the risks can be significantly higher
A public liability insurance option
Truck breakdown and recovery. Some policies have this included, some as an optional extra
Call us today on 01482 434343 and let our award-winning team help you.
Lorry and HGV Insurance policy options
Driving a lorry or an HGV can expose you to many risks, especially if you drive it for money. To protect you from these problems, there are a few policy options you can add to your lorry insurance quote:
Public liability insurance
If one of your drivers accidentally injures a member of the public or damages their property while driving your lorry, you can be sued for compensation. Public liability insurance of between £1m and £10m can protect you from any losses should you be found liable
HGV fleet insurance
If you have two or more lorries needing cover, HGV fleet insurance is a good option. Not only can it cut down on administration time, but it can also give you lower cost-per-vehicle insurance and so save you time and money
Goods In Transit Insurance
Goods in transit insurance – goods in transit insurance protects the goods you’re carrying while they are being moved or stored by you. Should your cargo or your own goods be damaged, lost, or stolen while in transit, you’ll be able to claim for any losses
European cover
European cover will insure your trucks while they are on continental runs
Truck Legal Protection Insurance
Covers you should someone make a compensation claim against you or your company. If you have legal fee cover as part of your truck legal protection insurance that will fund the defence of the action
Loss Of Licence Insurance
If you were to lose your licence, loss of licence cover would compensate you for losses for an agreed period
HGV Breakdown Insurance
If your lorry is off the road, it’s costing you money. Truck breakdown and recovery insurance can help get your lorries back on the road and back in business more quickly
What vehicles can Truck Insurance cover?
There are a surpring number of vehicles that can be insured on a truck insurance policy, including:
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.
Trucks and lorries that are between 3.5 and 100 tonnes gross traction value (GTV)
Tankers, skip carriers, gritters, low loaders, and insulated lorries
Horseboxes, privately owned HGVs, and flatbed trucks
Tippers, gritters, and certain types of mobile construction vehicles
How much does
Truck Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions. Instead, we’ll get to know your truck 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 insurance quote here.
How many lorries you have – if you have more than two, 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 Truck Insurance
Lorry insurance is one of the biggest ongoing expenses that a truck owner faces. Like all motor insurance, prices have risen in recent years so it’s even more important to save money on things like truck insurance quotes. You can get cheaper lorry insurance quotes by following these top tips:
Using a specialist independent broker – one that’s not owned by or tied to any one insurer such as Coversure, which can access a range of policies and do the shopping around for you. They’ll also be able to look at your cover and find ways you may be able to cut costs. For example, by lowering your policy’s indemnity limits or removing policy elements you don’t need
Increasing your excess – if you have a good claims record, then raising your excess, the amount you pay in the event of a claim, can be a good way to get cheaper HGV insurance. We’ve reduced customers’ insurance quotes by up to 10% by raising their policy excess levels
Improving your lorry’s security – storing lorries and HGVs in a locked yard when not in use, fitting GPS trackers and anti-theft devices such as internal cameras, can all help reduce the chances of theft and increase the chances of recovery should they be stolen. HGV thefts are on the rise in the UK with the DVLA reporting a 5% increase in 2023, so anything you can do to make them more secure will look good to insurers when you’re looking for cover
Fitting dashcams – dashcams can be used to prove liability in the event of an accident
Go for a ‘named’ rather than ‘any driver’ policy – any driver policies are convenient, but they’ll push up your premiums. A named driver policy will usually be cheaper, and if you’re getting a named driver policy, think about who will be on it, and keep the number to a minimum and avoid naming younger (under 21) and older (over 69) drivers
Get an HGV fleet insurance policy – if you have two or more trucks then get truck or HGV fleet insurance. Truck fleet insurance can reduce your per-truck insurance costs, gives you one policy to renew, allows you to add and remove drivers and vehicles as your needs change, and gives you one insurer to deal with in the event of a claim
Pay for cover annually – while paying by monthly instalments can be good for cash flow, with interest rates having risen, we’re seeing more and more truck owners opting to pay annually to save money on interest payments
What types of HGV Insurance are there?
Like your car insurance, you can choose from three levels of HGV 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
Getting the right lorry and HGV insurance can be a complicated business. To help you get the right cover at the right price, here are our lorry 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 free on 01482 434343 or request a callback. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Yes, you will need lorry insurance to drive your vehicles on public roads
There are several ways to get cheaper lorry insurance including using an independent insurance broker, raising your excess, building up your no-claims bonus, and going for HGV fleet insurance if you have two or more vehicles to insure. 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 insurance quote from us is easy. You can call us on 01483 434343, request a callback or get your HGV 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
Yes, there are several the most popular of which include goods in transit, public liability insurance, HGV breakdown insurance and HGV fleet insurance for firms with two or more trucks in need of cover
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
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
Yes, we’re happy to offer cover for private HGVs
Yes, you will need lorry insurance to drive your vehicles on public roads
There are several ways to get cheaper lorry insurance, including using an independent insurance broker, raising your excess, building up your no-claims bonus, and going for HGV fleet insurance if you have two or more vehicles to insure. 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 insurance quote from us is easy. You can call us on 01483 434343, request a callback or get your HGV 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
Yes, there are several the most popular of which include goods in transit, public liability insurance, HGV breakdown insurance and HGV fleet insurance for firms with two or more trucks in need of cover
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
Yes, we can insure electric vehicles, including cars, vans and even trucks.
