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Guide To HGV Insurance

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

The team at MultiQuoteTime will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

July 2023

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

What Types Of HGV Insurance Are There?

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 is minimal cover required by UK law
  • Third Party Fire and Theft adds protection if the lorry is damaged by fire or is stolen
  • 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.

Example of Vehicle Types Covered Under A Truck Insurance Policy

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 Insurance: 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.
  • Haulage Insurance: A haulage business, legally require road cover for the haulage vehicle or fleet of haulage vehicles.
    Haulage insurance will provide cover for your vehicles, but not the goods being hauled. Goods in Transit insurance (GIT) can be bought as a separate policy or included in the vehicle insurance policy.

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.

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.

Heavy Goods Vehicle 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 - 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. 

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

Commercial Truck Insurance

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. 

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 the insured area.
  • Contractual liability
  • Radioactive pollution and explosive events
  • Driving the vehicle when it’s unroadworthy. For instance, out-of-date MOT. 
  • Leaving key in vehicle
  • Lost Keys, consider a separate car key cover protection policy. 

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.

Typical HGV/Truck Driver Salary Scale

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.

  • 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 

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.

Truck Insurance FAQs


Is truck Insurance available for Drivers 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. 

Are Truck insurance quotes available without holding 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. 


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. 

Trucking Terms Explained

Gross Vehicle Weight: The weight of a vehicle and its load.

Train Weight: The weight of a vehicle, a trailer and its load. PLATED WEIGHT.

Plated Weight: Either the design weight limit given on a manufacturer’s plate or the legal weight limit given on the Department’s plate

Draw Bar Trailer available for carriage and reward

Articulated Truck A tractor unit with a semi-trailer attached where part of the load is borne by the drawing vehicle. Articulated Lorries (Artics) are the main vehicle category to transport goods by road. This combines a tractor unit with a trailer using a turn-table device. Artics have different types of trailers, some of the most common are listed below:

Flatbed trailer - Most versatile and can be used for almost any kind of cargo, one disadvantage is that the goods need to be protected from the elements and theft.

Tilt trailer - Similar to the flat bed trailer, but with a removable canopy.

Curtain side - Most common vehicle for road haulage and comes with a rigid roof and rear doors. The sides are PVC curtains that can be drawn back for easy loading and unloading.

Box trailer - Boxed rigid unit, with loading through back doors. A must for long haulage or for valuable goods.

Road train - a rigid vehicle at the front, which pulls a trailer behind it.

Low-loaders - Can be used for transporting heavy machinery and other outsize goods. Set low to the ground for easy loading.

Swap-body system -Not common and have been designed to accommodate standard cargo containers. 

Horsebox insurance is slightly different to commercial truck insurance, if you need horsebox insurance then please read our guide on horsebox insurance in the UK.


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 HGV insurance Available For New and Young drivers?

Yes, HGV is now widely available for all drivers, young, old and newly qualkified. With the UK shortage of HGV drivers, younger drivers are moving into the haulage sector, with that a demand for HGV insurance for 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 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.

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.

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