Truck & HGV Insurance
Flexible, Quality Lorry, Truck, and HGV Insurance
Want to save money on your truck insurance? Let the truck and HGV insurance specialists at Coversure Hull compare our markets to find you the truck, lorry, or HGV insurance that’s right for your business. Whether you need cover for a single vehicle or truck fleet insurance, call us today on 0800 977 6037 and let our award-winning team help you.
Truck insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of truck and HGV 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 insurance quote today.
What Is truck insurance?
Truck insurance – or heavy truck or HGV insurance as it's also known - provides lorry owners, haulage firms, and other heavy goods vehicles owners with the protection they need to drive their vehicles on the road. A flexible policy, it can be adapted to cover a wide range of risks and threats, including:
- Accidents
- Loss/damage due to fire
- Theft
- Public liability claims – should you accidentally injure someone or damage their property, then a public liability insurance option on your truck policy will cover compensation claims up to a set limit
- Employers' liability claims– if you employ any drivers, be they full-time or part-time, then employers’ liability insurance is a legal requirement
- European cover
- Loss of licence - if you lose your licence for a period, loss of licence insurance will compensate you for an agreed period until you can get it back
- Goods in transit – goods in transit insurance will protect your cargo from loss, theft, or damage while its transported or while it’s being stored by you ahead of being moved
Which vehicles can truck insurance cover?
Truck insurance can cover a surprisingly large rage of vehicles, not just trucks, HGVs, and lorries, but also:
- Heavy goods vehicles between 3 and 100 gross traction value (GTV)
- Bulk carriers
- Electric and hybrid vehicles
- Low loaders
- Flatbed trucks
- Tankers
- Breakdown trucks
- Skip carriers
- Tippers
- Gritters
- Curtain side lorries
- Cement mixers
- Refrigerated and insulated lorries and vans
What types of truck and HGV insurance are there?
There are three types of truck 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 truck insurance that’s right for you, then call the independent team at Coversure Hull on 0800 977 6037, or get a truck insurance quote today.
Truck insurance policy options
As well as offering different levels of cover, commercial fleet insurance for trucks offers the following useful and important policy options:
- Public liability insurance – if one of your truck 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
- Truck fleet insurance - if you have two or more trucks in need of cover, then HGV fleet insurance is a good option. Not only can it cut down on administration time, but it can also give you lower cost-per-vehicle insurance
- Goods in transit insurance – 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 in transit, you’ll be able to claim for any losses
- European cover – European cover will insure your trucks while they do continental 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
- Truck 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
How much does truck or HGV insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. 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 insurance quote will depend on things like:
- How many trucks you have – if you have more than two, you should consider truck fleet insurance as it could save you money and time
- The value of your vehicle(s)
- The type and condition of your truck(s)
- 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
- Your claims history
- Your business’s postcode
- The age of your drivers – young and older drivers can be more expensive to insure
- If you want a named driver or any-driver policy
- Where your vehicles are stored overnight and at the weekend
To get the truck insurance that’s right for you, call the Coversure Hull team on 0800 977 6037 or get your truck insurance quote today.
Truck insurance FAQ
To help you get the fleet insurance that’s right for you, here are Coversure Hull’s truck insurance frequently asked questions. We hope they will be of use, but to get some personalised professional advice, call the Coversure Hull team on 0800 977 6037. We’ll get to know your needs before comparing our markets to find you a competitive truck insurance quote. You may also be interested in reading our truck insurance guide.
Q. Is truck insurance a legal requirement?
A. Yes, you will need truck insurance to drive your vehicles on public roads
Q. How can I save on truck insurance?
A.There are several ways to get cheaper truck or HGV insurance including using an independent insurance broker, raising your excess, building up your no-claims bonus, and going for a truck fleet insurance policy if you have multiple vehicles to insure
Q. I’m starting a haulage business, how can I get cheaper truck 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 an 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 rewar
Q. Can I put multiple HGVs on one policy?
A. Yes, with an HGV fleet insurance policy you can insure several trucks on one policy
Q. How many trucks do I need to get truck fleet insurance?
A. If you have two or more trucks, you can get a truck fleet insurance quote from us
Q. Are there any age restrictions on truck 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 truck 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 an HGV insurance quote?
A. Getting an HGV insurance quote from Coversure Hull is easy, you can call us on 0800 977 6037. Thanks to our wide range of truck and HGV insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like.
Get a truck insurance quote
If you'd like some truck insurance help or a truck insurance quote, call Coversure Hull 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.
