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Last Updated March 2024 Eamonn Turley

With the right HGV Insurance, you can be protected with the correct type of commercial Lorry cover. This can protect you and what you are hauling while on the roads in the UK. It is well known that the heavy good vehicles are a vital part of the economy that need to be insured, so these goods will continue to flow no matter what is encountered over the road. If you are in the market for HGV insurance, we can help you by providing you with multiple truck insurance quotes.

What is HGV Insurance?

Business or private HGV Insurance is financial protection for the big Lorries which are rumbling down the road that carry the goods and equipment necessary to keep the economy humming. Just like the personal vehicles on the road that are required to be insured by UK law, so are the HGVs.

Heavy goods Insurance is the type of cover required for all commercial Lorries with a gross weight between 3.5 to 44 tonnes.

HGV Insurance

HGV insurance for new and young drivers

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.

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 legal road cover required by UK law
  • Third Party Fire and Theft adds protection if your private lorry is damaged by fire or is stolen
  • Comprehensive includes repairs to your lorry and property, even if you as the driver is at fault.

What are the add-ons that can help protect the Lorry owner?

  • Goods in Transit Cover is financial protection for the load being transported if it is damaged or stolen during transport. This cover is generally up to £50,000.
  • European Cover is protection to the same or near the same level that the Lorry has in the UK when travelling in Europe.
  • Breakdown Cover provides roadside assistance when the HGV is no longer be mobile. This assistance provides a mechanic for an hour on the roadside or will tow the lorry to a repair shop. Breakdown cover can also be taken out as a stand alone policy with a specialist provider of breakdown cover in the UK
  • Hazardous Goods Cover is protection when transporting unique loads that may require special permits.
  • Public Liability Cover which can be up to £5,000,000.
  • Legal Cover for up to £10,000,000 that covers the cost of lawyers, solicitors, judgments and court costs.

What are the different weight divisions of HGV or Lorries that can be covered?

The gross weight of the HGV determines which policy will be used to protect it. The different divisions include;

  • 7.5 ton lorries are the most common on UK roads.
  • 10 tonnes are the second most numerous types on UK roads.
  • 10 to 44 tonnes cover the larger trucks.
  • 44 plus tonnes are used for overweight items.
  • Long wheelbase lorry is for those special item hauliers.
  • Skip Lorries are for those hauling shipping containers or like boxes.

How much is HGV insurance UK?

The answer to how much is HGV insurance in the UK, like all insurance, will depend on a number of determining factors. The most important ones include the cost of the HGV vehicles and the driver history of the operator. 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.

HGV insurance is not cheap, but if you enlist the help of knowledgable HGV 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.

The area where the pickup and deliveries are made. When one of these is in Europe, additional premium costs are applied.

If the trucking company has telemetric devices installed on HGVs.

HGV insurance for new and young drivers

Passing your HGV test takes time and practice, and you will be eager to start earnings as soon as possible having past your HGV driving test.

HGV Motor trade insurance under 25 For Young Drivers

The insurance industry levies extra charges on young and inexperienced drivers. The reason is that these drivers  are more likely to be in an accident, and the accident will on average be for a high claim amount. The good news is that the introduction of telemetric can differentiate between high-risk divers and careful drivers. If you have passed your HGV class one or class two, you let the broker know that you will be open to using a telemetric device to show that you are low risk. If the data gathered backs you up you should be entitled to a discount on the young HGV drivers premium. 

Typical HGV 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 

How can the premiums be reduced for an HGV insurance policy?

The preferred way to reduce the cost of HGV insurance premiums is to have operators that are not involved in accidents. While accidents can’t always be avoided, discounts are provided by some insurance companies for a business who have their operators take and qualify in advanced driving courses or CPC training.

  • By having a larger than the standard amount as the voluntary excess to be paid if a claim is made also reduces the premium costs.
  • The use and tracking of the telemetric information is a positive way of proving the operators are driving safely and within the limits of the law. The longer this type of data has been gathered, the lower the premiums will be, as long as there are no detrimental spikes or outliers.
  • Paying the premiums on annual bases will also avoid the interest most firms charge for making monthly instalments.
  • The use of a forward-facing dashboard cam can also help to reduce the cost of the annual premium price.

By deciding on a policy to protect the business in the available budget is a path to keeping the trucks rolling so the revenue stream can continue.


Can I protect my HGV NCD?

This is a popular request, the good news is that most brokers will offer to protect your HGV no claims, but at an additional cost

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 add Additional Drivers

All HGV insurance brokers are flexible and if you have a new employee or a new business partner they can be added as named drivers, simply contact your insurance broker with the request. If you have an any driver HGV policy this should not be necessary, but please check the policy details as young drivers may be prohibited from an any driver policy.

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