HGV Fleet Insurance
Truck Fleet Insurance
Competitive, Quality Cover For HGV Fleets
Want to save money on your truck fleet insurance? Let the truck and HGV insurance specialists at Coversure Hull compare our markets to find you the HGV fleet insurance that’s right for your business. Whether you have a mixed or a truck fleet, call us on 0800 977 6037 and let our award-winning team help you.
HGV fleet insurance backed by ‘Exceptional' service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of truck and HGV fleet insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your truck fleet insurance quote today.
What is truck fleet insurance?
Truck fleet insurance, HGV fleet insurance as it’s also known, is a specialist insurance policy for people needing to insure two or more tucks or lorries. An adaptable policy, cover through Coversure Hull can include the following useful options:
- Truck breakdown insurance
- Goods in transit insurance for truck owners
- Public liability insurance
- Loss of licence insurance
- Truck legal protection
- European cover
Which trucks can HGV fleet insurance cover?
We can offer truck fleet insurance policies that can cover a wide range of vehicle types, including:
- Trucks and HGVs of 3.5t up to 200 gross vehicle weight (GWV)
- Bulk carriers
- Electric and hybrid trucks
- Low loaders
- Flatbeds
- Tankers
- Breakdown trucks
- Skip carriers
- Tippers
- Gritters
- Curtain sides lorries
- Cement mixers
- Articulated lorries
- Refridgerated lorries
These are just some of the vehicle types we can cover. If you have something else in mind, then please call us on 0800 977 6037 and we’ll be happy to discuss your needs.
What levels of truck fleet insurance are there?
There are three levels of truck fleet insurance:
- Third-party – the minimum legal requirement to drive your truck on the road. This will ensure that you are covered should you damage someone else's vehicle if the accident is your fault
- Third-party, fire, and theft – this will ensure that you are covered should you damage someone else's vehicle if the accident is your fault or if one or more of your trucks is accidentally damaged or destroyed by fire or stolen
- Fully comprehensive – provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your truck will be covered
Which form of cover is right for you is dependent on your budget and your specific needs. If you’d like some help getting the commercial fleet insurance that’s right for you, then call us on 0800 977 6037.
Truck fleet insurance options
Customers often ask if there are any options or extensions that can be be added to truck fleet insurance. There are, and common extensions to commercial fleet insurance for trucks include:
- Public liability insurance – if one of your drivers accidentally injures a member of the public or damages their property, you can be sued for compensation. Public liability insurance of between £1m and £10m can protect you from any losses should you be found liable
- Goods in transit insurance – HGV goods in transit insurance protects cargo while it’s being moved or stored by you. Should your cargo or your own goods be damaged, lost, or stolen while being moved, you’ll be able to claim for any losses
- European cover – European cover will insure your trucks and drivers if they do European runs
- Loss of licence insurance – if you were to lose your HGV licence, loss of licence cover would compensate you for losses for an agreed period
- Truck legal protection insurance – covers you should someone make a compensation claim against you or your company. If you have legal fee cover as part of your truck legal protection insurance that will fund the defence of the action
- HGV breakdown and recovery insurance – if your truck is off the road, it’s costing you money. Truck breakdown and recovery insurance can help get your lorries back on the road and back in business more quickly
The advantages of HGV fleet insurance
There are several significant advantages to truck or HGV fleet insurance, the most important ones being:
- Save money– by insuring multiple trucks with HGV fleet insurance, you can reduce your per-vehicle insurance costs
- Save time – having one policy to administer means truck fleet insurance can save you administration time versus having to look after several single vehicle policies
- Flexibility – you can add or remove trucks and drivers as you need to, and you can also insure all drivers to drive any of your trucks should you take out an any-driver policy
How much does HGV fleet insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions – particularly when it comes to policies that are as complicated as truck fleet insurance. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your truck fleet insurance quote will be calculated based on things like:
- How many vehicles you have
- The value of your vehicles
- Your claims history
- The age of your drivers – young and older drivers will be more expensive to cover
- The type and condition of your trucks
- The turnover of your business
- The nature of your business and the work you do – carrying hazardous or high-value goods may push up your premiums
- The size of the clients you work with
- If you want a named driver or any-driver policy
- The length of your runs – European cover will cost more
To get the truck fleet insurance that’s right for your business, please call us free on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you a great truck fleet insurance quote.
Truck fleet insurance FAQ
Truck and HGV fleet insurance is a complex area of insurance and it’s important to get it right. To help you get the HGV fleet insurance that’s right for you, here are our truck fleet insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of truck insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you. You might also want to read our truck insurance guide.
Q. Is truck fleet insurance a legal requirement?
A. Yes, if you wish to drive your trucks on public roads you will need truck insurance. Also if you want to be paid for carrying goods, then you will need truck insurance
Q. How many trucks do I need to get truck fleet insurance?
A. If you have two or more trucks, you can get an HGV fleet insurance quote
Q. Is truck fleet insurance cheaper?
A. Yes, generally speaking, an HGV fleet insurance policy will work out cheaper than insuring vehicles individually. It will also save you time and hassle
Q. How can I get cheaper truck fleet insurance?
A. If you’re starting your own business and need a truck insurance quote, then a simple way to potentially cut the cost of your cover is to obtain an employee declaration from your previous employer outlining your experience
Q. Do I need a truck operator's licence to get truck insurance?
A. If you want to drive anything over a 3.5-tonne vehicle, you’ll need an operator's licence. This applies whether you’re carrying your goods or others for money, so-called hire and reward
Q. Are there age restrictions on truck fleet insurance?
A. Most insurers won't cover drivers under 21 and drivers aged 69 or over can also be challenging. Thanks to our wide range of truck insurance providers, we can be flexible and can get truck insurance quotes for even challenging risks. To get some personalised professional advice, call the team on 0800 977 6037
Q. Are there any HGV fleet insurance policy options I should consider?
A. Yes, and popular ones include goods in transit insurance for trucks, truck breakdown and recovery insurance, loss of licence, and public liability insurance
Q. Can I get truck breakdown and recovery cover on my policy?
A. Yes, we can offer you truck breakdown and recovery insurance
Q. Can Coversure Hull insure electric trucks?
A. Yes, although electric trucks are still quite rare in the UK, we can insure electric vehicles of all kinds
Q. Can I use my existing truck insurance no-claims bonus on my policy?
A. Yes, if the no-claims bonus was earned on trucks in the UK
Q. How can I get a truck fleet insurance quote?
A. Getting a truck fleet insurance quote from us is easy. You can call us on 0800 977 6037 or get your HGV fleet insurance quote here. Thanks to our wide range of truck insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get an HGV fleet insurance quote
If you'd like some truck fleet insurance help or an HGV fleet insurance quote or call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
