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Guide To 7.5 Tonne Lorry Insurance

By Eamonn Turley
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.

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from the MultiQuoteTime Editorial Team - Fact checked

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July 2023

The 7.5 tonne lorry is a popular choice with farmers to transport their livestock to market, or to bring your pony to show trials. It is also a favourite choice for the delivery sector.  The cover required will depend on the intended use. This guide is intended to provide you with guidance on 7.5 ton truck insurance options. 

7.5 Tonne Lorry Insurance

Key Takeaway :   Always inform your insurance provider in advance if your intended use of the lorry will change. Failure to do so could result in you driving your lorry with the incorrect insurance. Which in the eyes of the law and the insurance provider is the same as driving with NO insurance cover

Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. To start comparing prices, select GET QUOTES button above and provide basic information to a panel of UK brokers. The panel will provide you with a range of truck insurance quotes based on your individual requirements.

What Types Of 7.5 Tonne Lorries Are Covered?

The 7.5 tonne lorries come in a wide variety of configurations to meet the needs of the commodities that are being transported. For large items, a flatbed works best. Others have curtains for sides that make loading and unloading easier. Some of them are fully enclosed for hauling commodities or livestock.

You will need an operator's licence to carry goods for any vehicle over 3.5 tonnes gross plated weight or an unladen weight of more than 1,525 kg 

What Are The Three Types Of Operator Licence?

  • Standard national licence : This licence enables you to haul your own  goods within the UK and internationally. In relation to other peoples good you are restricted to the UK only. 
  • Standard international licence : This licence will enable to haul your own and other peoples goods within the UK and internationally 
  • Restricted licence : A restricted licence restricts you to only hauling your own goods 

What Is 7.5 tonne Lorry Insurance?

The 7.5t Lorry Insurance is road risk protection when moving freight on the road and an event like an accident and or collision occurs. Just like personal vehicles, there are three distinct levels of cover an operator can obtain.

Third party

Third party cover provides the minimum level of cover required by law. Third party policies pay out to cover the repair or replacement of other peoples’ vehicles, damage to other people's property, including injury or the death of any third party.  It is important to note that TP cover will not cover any damage or loss of your 7.5 tonne Lorry, that will be your responsibility.

Third party Fire and Theft

In addition to the third party cover, this level of cover will pay if your 7.5 tonne Lorry is damaged by fire or stolen.


All above plus cover for any damage to your own 7.5 tonne Lorry, even if you were at fault. 

Option Extras For 7.5t Lorry insurance

The most common add-ons are goods in transit cover and breakdown recovery. 

  • Breakdown cover is recommended for any hire for reward lorry operator. The task of just changing a tire on an HGV will help convince anyone of the advantages of having this type of cover. There is the standard cover, national cover, which lets your vehicle be towed to the destination of choice (if it can not be fixed on the roadside). For those with destinations in Europe, there normally is an option to include European cover.
  • Goods in transit provides cover if the commodities you are transported are damaged. Without this cover, the operator could be held financially responsible for the load. For some shipments, this is a requirement, especially when the load has a high value.

More Than One 7.5 Tonne Lorry?

If you operate a fleet of lorries, you can also consider courier fleet insurance if you are providing a hire and reward service. Going the fleet insurance route should make it possible to get discounted premiums with the addition of each new vehicle to the policy. Whilst the fleet solution should provide savings, both options, fleet cover and a separate policy for each lorry should be considered.

How Much Does Lorry Insurance Cost?

The cost of commercial vehicle insurance will depend on a number of factors and facts that are used to determine the risk that you pose to the insurance company. The higher the risk, the higher the cost. The cost will also vary from insurer to insurer, one good reason to get multiple quotes. 

  • Vehicle Value : These trucks are expensive and if stolen or need extensive repairs the insurance company will be liable. As such, high value vehicles will attract a higher premium  
  • The Driver :   Drivers that have a good history with few claims if any and a clean driving licence will present less risk than a driver with a history of making claims and subsequently pay less.  If you have driving convictions that are not spent, these must be declared. 
  • Miles Driven : HGV Insurance for vehicles that are on the road most days, clocking up miles will cost more to insurance than a lorry that is used a few times per week.
  • Safe Parking Overnight : The insurance provider will quotes less for a vehicle that is parked securely off the road when not in use.

Tips To Save Money On 7.5T Cover

Reduce Risk of Vehicle Theft

One way to reduce the cost of the insurance premium is to lower the risk of the lorry being damaged or stolen. An easy way to do this is to have the lorry stored in a locked facility when not in use, and have the facility monitored by cameras or a security system.

Pay Annually

Another option to reduce the cost of the premium is to pay the premium annually. This path avoids the charging of interest on the unpaid balance when monthly or quarterly payments are made.

Telemetric Devices

Telemetric Devices : Having a recording device installed can help reduce costs if the information meets the insurance provider's criteria for belonging to a lower risk bracket.

Increasing The Excess Voluntarily

By increasing the voluntary excess, the risk to the insurance provider is reduced and the cost of the premium is lowered. The excess amount is the amount that you would be liable for if you need to claim against the policy. Speak with your broker on the impact of increasing this amount on your policy premium. 

Comparing Insurance Options

Always compare Insurance quotes at renewal time. With the ease of obtaining multiple insurance cover quotes, it is easy to compare options come renewal time. Spend some time researching what is on offer with other providers as you may be able to save some money on your premium

7.5T Insurance FAQ's

What is required to operate a 7.5 tonne lorry?

To operate a 7.5 tonne lorry requires a UK C1 driving licence. This classification permits the holder to operate any lorry from 3.5 to 7.5 tonnes.

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