Truck Insurance UK

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  • UK and European cover available
  • Under 25 Young Driver Insurance
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  • Commercial and Private use
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Compare Truck Insurance UK

As a truck driver, you are fully aware of the daily risks posed as you go about your business. To legally drive any vehicle in the UK, you will need a minimum of third-party cover. Truck insurance is available for a full range of vehicles that fall under the umbrella term "commercial utility vehicle".

Truck Insurance UK

What is Truck Insurance? 

Truck insurance is a policy that provides legal road cover for a business with a fleet of trucks or a sole trader with a one truck. It can provide protection if you are in accident, cover starts at third party with fully comprehensive cover is also available.

Each insurance policy can be tailored with add-ons to meet your individual requirements. Whether you have a whole fleet of trucks or just one, a policy can be tailored to you or your company requirements. 

Who Will Need Truck Insurance?

If you drive or employ people to transport goods via HGVs, trucks, lorries, or other truck types. You need truck insurance to provide yourself and the driver with the legal coverage to drive on the UK roads. 

See below list of some example occupations that need truck insurance:

  • Logistics Owners
  • Truck Owner / Drivers (LGVs, HGVs)
  • Pleasure Drivers
  • Average speed and speed peaks
  • Refrigerated Lorry drivers
  • Cherry Pickers
  • Haulage Companies
  • Flatbed Drivers
  • Recovery Trucks

Example of vehicle types covered under truck insurance

We have listed some of the most common vehicle types below, but this is only a small sample of the vehicle types that the panel can provide quotes for.

HGV: Owner driver of a Heavy goods vehicle and looking for HGV insurance at a reasonable price? The panel can help you compare the market by providing multiple quotes.

Pickup: Get pickup truck insurance quotes for your privately owned or business pick up. Cover available for under 25's plus any driver. Full range of options from fully comprehensive to third party only.

Recovery Vehicles: Recovery truck insurance. We have partnered QuoteSearcher, who can provide quotes for your recovery vehicle. Start by selecting Start your quote and complete one easy form.

Types of Truck and HGV 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, this policy simply covers you for any compensation claims that the other person may take on you.
  • Fleet insurance – This type of insurance is particularly essential for companies that own a multitude of trucks. Instead of insuring each truck or HGV with their own policy, an entire workforce can go under one fleet insurance policy.
  • 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 or HGVs 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.
  • Loss of licence – If the event happens that you lose your licence for a certain period of time, you may be able to gain compensation until you're able to drive again with this cover. Depending on how you lost your licence will differ if you acquire this pay-out or not. If you lose your licence due to an illness or a health issue, you should be able to receive money until your suspension has ended.
  • 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.

Best Insurance Policies for Different Truck Types 

The panel can provide comparative quotes for all truck types. Below we have listed typical trucks found on UK roads. 

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.

HGV Insurance - The type of cover included in HGV insurance is normally quite broad, such as including third-party, fire and theft, comprehensive, contents cover and public liability insurance.

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

Recovery Truck Insurance - Most but not all recovery trucks are owned by large corporate companies and therefore, we recommend fleet insurance if you fit into this category.

Refrigerated Truck Insurance - It's essential to cover yourself with contents insurance in the unlikely event of your refrigerator malfunctioning and spoiling the goods. 

Dropside Lorry – If your business relies on a dropside lorry to deliver goods to local areas. Its recommended having faultless liability, contents coverage and also comprehensive insurance. This ensures your vehicles are covered for any accidents that may damage the vehicle, public property or the goods. 

Things to Consider When Choosing Your Truck Insurance Policy 

Although it can be tempting to purchase a truck insurance policy because of its price, it is very crucial that you don’t do this. Instead, opt-in for a policy that is going to cover the area of work you provide. See below what you should consider before purchasing your truck insurance. 

Firstly, consider the type of truck or trucks you want to insure and see if it qualifies for either a light, medium, or heavy-duty truck. This way, you’ll be directed to the best policies that cover the style of truck you want to protect.

Secondly, the goods you’re transporting. Once we have access to this information, we can establish if you need any additional coverage to stay protected. For instance, you may want added contents coverage depending on what you typically transport.

Lastly, you should take into consideration the age and experience you or the driver has. Of course, drivers above the age of 25 that have additional driving tests, course attendances or physical experiences of driving. Will have much cheaper premiums than those that don’t.

Fleet insurance and under 25 drivers

If you’re trying to insure someone below the age of 25, consider adding a telematics system and in-cabin cameras, etc. This way, we can search for cheaper policies and insurance companies will provide you with more reasonable quotations if extra safety measures are taken.

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. 

Can You Get HGV Insurance for Drivers Under 25? 

A struggling issue within the transport industry is getting drivers under the age of 25 covered without paying huge premiums. This is because statistics show that people under 25 are more likely to cause accidents and therefore considered “high risk”

However, we can find you affordable coverage for drivers in the “high risk” category by providing alternative saving solutions such as telematics. This reduces premiums massively for young drivers as the insurer can monitor their driving capabilities. They monitor certain aspects of driving such as their breaking, acceleration and their average speed, by doing this they can determine if the young driver is safe or not.

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 will suggest your driver is more experienced and therefore decrease its rates. 

Know About 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 you not getting compensation. In addition to exclusions that are made for specific types of cover, you can guarantee that the below exclusions can be found within most policies.

Know About Truck Insurance Exclusions 

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 will suggest your driver is more experienced and therefore decrease its rates. 

  • Unlicensed drivers
  • The vehicle being used outside the insured area.
  • Contractual liability
  • War risk
  • Radioactive pollution and explosive events
  • Driving the vehicle when it’s unroadworthy. For instance, out-of-date MOT. 

How can I reduce my truck insurance premium?

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 will suggest your driver is more experienced and therefore decrease its rates. 

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 how the rig is driven and will include at least the following:

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

Driver background checks. Drivers that have a history of claims will increase your premium as they will obviously be seen as an added risk and increase your insurance costs. 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 in the underwriter's eyes, they are looked at as extra risk.

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

Fleet cover should be considered if you have 4 or more trucks. Instead of purchasing individual insurance for each truck, you’ll be able to insurance an entire workforce. Insuring vehicles through a “bulk” deal will lower your premiums.

Tighten up on security. Making your vehicles secure and safe should help to bring down the truck insurance premium. If possible, provide safe, secure parking. Add additional safety devices (broker approved) such as immobiliser, GPS tracking devices. Taking these steps will help lower your annual or monthly premiums.

Do you need any driver cover? If possible, limit your policy to named drivers. However, if your business model requires driver flexibility, any driver policy will be a better choice.

Compare truck insurance costs

Quotes can easily be tailored to the owner-operators individual needs, providing the necessary cover to ensure you are not at financial risk as a result of an operating accident. 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.

MultiQuoteTime works in partnership with QuoteSearcher, who provide a simple form which once completed is submitted to a specialist panel of brokers. These brokers will be in contact via the telephone to provide you with quotes on your motor fleet cover.

Compare Truck Insurance UK