HGV Public
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Insurance for HGV Drivers and Businesses
HGV drivers and operators spend long hours on the road, often carrying heavy or high value loads on tight schedules. HGV Insurance helps protect your business if something goes wrong, from road accidents and damage to other vehicles or property to theft of your truck or its cargo.
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Expert UK team
What is HGV Insurance?
HGV Insurance is a package of covers for businesses running heavy goods vehicles, from single trucks to small fleets. At its core is commercial vehicle cover, usually alongside public liability, goods in transit and employer’s liability if you have staff. It is set up to help with the cost of accidents, theft, damage and certain claims linked to your vehicles and the loads they carry.
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Why Choose Business
Compare for your
HGV Insurance?
Business Compare works with a panel of UK insurers who understand HGV work and haulage risks. Share a few details once and you can compare quotes from several providers, then shape cover levels, vehicle types and extras around how many trucks you run, what you carry and where you operate.
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Online quote form set up for haulage and HGV businesses -
Quotes from multiple UK business insurers
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Options for owner drivers, small firms and fleet operators
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UK based support if you want to talk through your cover
for HGV Businesses
01
Fleet Insurance
Helps bring several HGVs under one policy, making it easier to add, remove or swap vehicles as your business changes.
03
Personal Accident Insurance
Can pay a benefit if you or a key driver are injured in an accident and cannot work for a period of time.
02
Breakdown Cover
Can help with roadside assistance, recovery and sometimes a hire vehicle so you can keep work moving after a breakdown.
04
Legal Expenses Insurance
Helps with certain legal costs, for example after a non fault road incident or a contract dispute, up to the policy limits.
Vehicle size and weight
Heavier vehicles, specialist bodies or higher value trucks usually cost more to insure than smaller, standard units.
Goods carried and routes
The type of goods you carry, your typical mileage and whether you work locally, nationwide or into Europe can all affect pricing.
Drivers and claims history
The number of drivers, their ages, licence history and any past claims are key rating factors for HGV policies.
Cover levels and extras
Higher limits, lower excesses and extras such as breakdown or higher goods in transit limits can move premiums up or down.
HGV work carries more at stake than standard driving, with larger vehicles, longer hours and higher value loads. A single incident can lead to injury claims, damage to other vehicles, or loss of cargo. Public liability can help with third party claims, vehicle cover helps repair or replace your trucks after insured damage, goods in transit insurance can help with damaged or stolen loads, and employer’s liability is important if you have staff, helping you meet legal duties and deal with driver injury claims.
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Protect your HGV business today by filling in our quick online form. We’ll provide you with competitive quotes from top UK insurers, ensuring that your business is fully covered.
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