Dropdown Menu

Truck Insurance

truck insurance or HGV Compare quotes to find the best insurance policy for you

In the UK, truck insurance, also known as HGV insurance, is a specialised form of commercial vehicle insurance that protects businesses and individuals operating trucks and other commercial vehicles weighing over 3.5 tonnes. It covers risks like accidents, fire, theft, and third-party liability for damages or injuries. 
 
Key Aspects of UK Truck Insurance:
  • Legal Requirement:
    It’s a legal requirement for truck operators to have insurance when driving on public roads. 
     
  • Minimum Cover:
    The minimum legal requirement is third-party liability, which covers injuries to others or damage to their property. 
     
  • Types of Cover:
    Beyond third-party, you can choose third-party, fire, and theft, or comprehensive cover. Comprehensive cover includes repairs to your vehicle if the accident was your fault. 
     
  • Additional Cover Options:
    Some policies may offer additional cover for breakdowns, goods in transit, and loss of license. 
     
  • Fleet Insurance:
    Businesses operating multiple trucks can get fleet insurance, which covers all vehicles under one policy. 
     
  • Factors Affecting Premium:
    Factors like the type of truck, the size of the fleet, the driver’s experience, and the number of claims can affect the premium. 
     
  • Specialised Needs:
    Insurance for trucks transporting hazardous materials, temperature-controlled goods, or those involved in international transport may require specialised policies

.

.