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Guide To Truck Insurance

Finding truck insurance is now easier than ever, with multiple truck insurance providers offering attractive and very competitively priced policies. Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. The panel of UK brokers will provide multiple quotes for your UK Truck and HGV insurance requirements. The panel can provide quotes for the following truck categories.

Single 18 tonne truck & haulage vehicle insurance

Single 32 tonne truck & haulage vehicle insurance

Single 44 tonne truck & haulage vehicle insurance

International truck & haulage vehicle insurance

HGV insurance is available at 3 levels

There are 3 types of cover a driver or trucking business owner can take out to cover one of these large vehicles. This includes;

Third-Party Only (TPO)

Third Party is minimal cover required by UK law

Third-Party, Fire, and Theft (TPFT)

Third Party Fire and Theft adds protection if the lorry is damaged by fire or is stolen

Comprehensive Cover

Comprehensive cover includes third party cover plus fire and theft of your own vehicle. In addition, it will also cover the repair of your own vehicle and cover for any property damage.

Types of Truck Insurance

Like most insurances, there are different policies add-ons depending on your requirements. Below, we’ve mentioned some of the most common coverages you are able to purchase for these types of vehicles.

Public liability – If you cause an accident, having a public liability insurance policy will cover for claims made by a third party for injury or property loss or damage.
European cover – If you or your fleet travel to various countries around Europe, it’s recommended to get European cover as this will insure your trucks when they’re abroad. This policy type includes breakdown cover, roadside assistance, hire cars for onward travel and much more.
Content’s cover – This protects the goods that you are transporting. This cover can be increased or reduced depending on the value of goods you typically transport.
Comprehensive insurance – Provides you with coverage for any damages that may have occurred on the vehicle, even if the accident was your fault.
Legal Fees – Is designed to protect you from unwanted legal bills. If you have an accident and someone is trying to claim compensation from you, you’ll end up having to pay legal fees if your insurance doesn’t cover it.
Breakdown recovery – This type of cover will help you if one of your vehicles breaks down by providing roadside assistance. Breakdown cover supports such events as punctures, engine problems and towing services, so you’re able to get back on the road.

Related Insurance

7.5 Tonne Insurance

Goods in Transit

Tipper Insurance

Haulage Insurance

HGV Fleet Insurance

Recovery Truck Insurance

Private HGV Insurance

Van Insurance

Examples of trucks that can be insured under an HGV policy include

Flat Bed Truck Insurance – Because flatbed trucks typically transport large and expensive goods, it is particularly necessary to get a flawless insurance policy in case anything happens during transportation. We recommend you get extensive contents cover depending on the value of goods you transport.

Recovery Truck Insurance – Recovery trucks come in all shapes and sizes, if you are using a vehicle for recovery you will need specialist recovery truck insurance protection

Refrigerated Truck Insurance – It’s important to consider contents insurance in the unlikely event of your refrigerated van malfunctions and possibly spoiling the goods.

Tipper Truck – As a bare minimum, you should be looking for at least comprehensive insurance when it comes to covering a tipper truck.

Dropside Lorry – A popular choice with a delivery business. A dropside lorry will speed up the delivery process.

Specialist Trucks HGVs/LGVs which have a specialist, singular function such as:

Livestock lorries
Snow ploughs
Cement mixers
Car transporters

Typical truck insurance exclusions

Care needs to be applied when you are purchasing truck insurance. This is to ensure you’re covered for your requirements while not clashing with the exclusions that the insurer lays out. Failing to follow the exclusion rules may result in your cover being invalidated. We have listed some of the more typical exclusions below:

Unlicensed drivers

The vehicle being used outside for a use not covered.

Letting a driver that is not insured drive the truck

Radioactive pollution and explosive events

Leaving keys in the vehicle

Lost Keys, consider a separate car key cover protection policy.

Driving under the influence of illegal drugs

Driving while over the alcohol limit for UK roads

Tips to save on truck insurance costs

1. Telematics

What is telematics, and can it reduce my annual or monthly premiums? Simply put, a device is added to your truck and yes, it can reduce your premium. The purpose of the device is to record data on the driver and will include at least the following:

Severity of braking
The ability to steer smoothly
Rate of acceleration
Average speed and speed peaks

2. Driver background checks

Drivers that have a history of claims will increase your premium as they will be seen as an added risk. In addition, drivers under 25 will incur a higher premium based on the increased risk of accidents. So, whilst the young driver may be one of the better drivers, the underwriter sees all young drivers as extra risk.

3. Reduce admin costs

Simply arranging one annual payment will lead to fewer overheads for everyone. The resulting lower costs can be passed on to you in terms of a lower premium.

4. Truck Fleet Insurance

Fleet cover should be considered if you have 2 or more trucks. Instead of purchasing individual insurance for each truck, you’ll be able to insurance all work vehicles under one policy. Insuring vehicles through a fleet policy should lead to savings over the traditional one vehicle, one policy route.

5. Tighten up on Security

Making your vehicles secure and safe will help to bring down your insurance premiums. If possible, provide safe and secure parking. Add additional safety devices (insurance approved) such as immobiliser, GPS tracking devices. Taking these steps will be a step in reducing your overall insurance costs.

6. Named Divers Only

Do you need any driver cover? If possible, limit your policy to named drivers. However, if your business model requires driver flexibility, then an any driver fleet insurance policy will meet that requirement.

7. Avoid Modifications

Making modifications can impact the cost of insurance. Before making any changes, consult with your insurance company as the change may increase the cost of insurance, so best to avoid unless necessary.

8. Compare Truck Insurance Quotes

Get quotes from multiple sources and compare these police in terms of inclusions and exclusions. Quotes can easily be tailored to an owner-operator’s individual needs, providing the necessary cover to ensure you are not at financial risk as a result of an incident involving your work vehicle. Having your trucking business covered with adequate protection can let you get on with running your business without concerns for possible future claims against you or one of your drivers.

The policy can also be tailored to cover goods in transit, personal liability and loss of earnings. Depending on the type of business, you may also wish to cover tools, machinery, cargo and goods transported or held in storage.

UK Truck Insurance FAQs

How much is HGV insurance?

The cost of Truck insurance in the UK will depend on a number of factors. The most important ones include the cost of the HGV vehicles and the driver’s history in terms of previous claims made and experience. Another significant factor is the business sector and the goods that are being transported. That aside, on average expect to pay anywhere between £1400 to £3000 for UK HGV haulier insurance.

Truck insurance cover is not cheap, but if you enlist the help of knowledgable Truck insurance brokers and carry out an online comparison of nationwide and local insurance brokers, you should be able to find the best deal for your individual or business requirements.

Is cover available for agriculture or farm vehicles?

Insurance quotes are available for farm vehicles and includes tractor insurance UK plus other commercial vehicles, examples include those that are used within the construction industry.

Is HGV insurance available for new and young drivers?

Yes, HGV is now widely available for all drivers, young, old and newly qualified. With the UK shortage of HGV drivers, younger drivers are moving into the haulage sector, with that a demand for HGV insurance exists for both young and new drivers. Whilst this can be more expensive than the cost for an experienced driver with a good driving record, comparing the market can help in finding a cheap deal on young driver HGV insurance, for under 25 and under 21’s.

Is insurance available if I dont hold an operator’s licence?

The UK panel of insurance brokers can provide truck insurance quotes to both those that hold and those that do not hold an operator’s licence.

Can I use my no claims’ bonus on my truck insurance policy?

Your No claim’s bonus that you earned under a previous truck insurance policy can be easily transferred. On the question of transferring a bonus earned under a different vehicle category will depend on the individual broker.

Is truck Insurance available for driver that are under 25?

Under 25 truck insurance is available, but expect to pay a higher premium than drivers over 25. This is because statistics show that people under 25 are more likely to cause accidents and are therefore considered “high risk”

However, installing telematic devices that will monitor younger drivers can help reduce these premium. They monitor certain aspects of driving such as their breaking, acceleration and average speed, by doing this they can determine the young driver’s risk profile.

You can also offer additional driving courses such as Pass Plus to your under 25 drivers. Being able to supply a certificate of further learning to your insurance company shows a professional attitude to improving your workforce driving skills and should help reduce your overall insurance costs.

Can I protect my HGV NCD?

Most brokers on the panel will offer to protect your HGV no claims, but some may charge an arrangement fee.

Do I need CPC training to drive a truck?

If you are operating your truck on a commercial basis, be aware of the CPC training requirements that you must fulfil and renew keep up to date.

If you’re trying to insure someone below the age of 25, consider adding a telematics system and in-cabin cameras. These type of devices can help lower the premiums that are associated with higher risk younger drivers.

It’s important to cover yourself with the right policy, but it’s also essential to purchase affordable insurance for the work you’re doing.

Is Cover Available For Hazardous Goods?

Transporting of hazardous goods that include chemicals, oil, waste, non volatile liquids etc will need specialist insurance. The panel of UK brokers are able to provide quotes for all types of haulage insurance including hazardous goods.

How much do truck drivers get paid?

This is just a rough salary guide for truck divers in the UK, if you are interested in becoming a HGV driver a shortage exists since Brexit, so you should easily find a job or work as a self employed HGV driver.

What do I need to know to become a truck driver guide?

Starting out, just qualified : £18,000 to £23,000
With Some Experience : £24,000 to £29,000
Master Driver with good no claim’s history : £29,000 plus

Updated: 25 Nov 2024
Reviewed by Eamonn Turley Insurance Expert