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Get Peace of Mind on the Road with the Right HGV Drivers Car Insurance

If you’re a HGV driver, then the good news is that you can benefit by getting cheaper car insurance. Occupation is a big factor that insurance providers take into account when calculating the cost of a policy and HGV drivers are considered a low-risk group. Not only is driving a heavy goods vehicle a responsible job but it also requires a lot of driving skill and concentration. Getting insurance for your private vehicle is therefore considerably cheaper than a lot of other occupations.

If you want to get HGV drivers car insurance quotes now, then simply click the green button on this page and you can have your quotes in just a matter of minutes. If you’d like to find out more about HGV drivers car insurance, including the types of cover available, why you need cover and FAQs, then read on.

Did you know…?

HGV drivers can get lower premiums compared to many other occupations.

Why HGV Drivers Car Insurance Matters

Getting insurance for your private vehicle is just as important as for your work vehicle. As a driver, you never know when you might need to make a claim, whether it’s due to an accident or your car being vandalised or stolen. That’s not to mention the fact that it’s illegal to drive in the UK without third party insurance at minimum.

Understanding the Types of HGV Drivers Car Insurance

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

Your occupation is just one of the factors that insurance providers consider when calculating the cost of insurance. Things like age, your vehicle and your location are all factored in too.

Why Compare HGV Drivers Car Insurance Quotes?

Checkout the compelling reasons below to compare your HGV Drivers Car Insurance quotes

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Users can take note of extras included in some policies, like breakdown cover and legal protection.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Insurance comparison websites provide guidance and simplify the overwhelming process of looking for insurance.

Optional Cover Available for HGV Drivers Car Insurance Cover

Tailor your HGV Drivers Car Insurance cover to your personal circumstances with the additional cover options available.

  • Breakdown Cover: With this add-on, you receive roadside assistance whenever your vehicle breaks down, providing you with peace of mind during every journey.
  • Legal Cover: This provides financial protection against any legal costs you might incur if you're involved in a legal dispute related to a road incident.
  • Courtesy Car Cover: If your car needs repairs after an accident, this cover ensures you're provided with a courtesy car, so your daily routine isn't disrupted.
  • Windscreen Cover: This cover provides protection against any damage to your windscreen, ensuring your view of the road remains crystal clear.
  • Personal Accident Cover: This provides you with a financial safety net in the unfortunate event of a severe accident, covering you or any named driver for certain injuries.
  • Key Cover: This offers you protection against the loss or theft of your car keys, covering the cost of replacement and even the locksmith's charges.
  • No Claims Discount Protection: With this, your no claims discount remains intact even if you make a claim, helping you maintain lower premiums in the future.
  • Excess Protection Cover: This covers the cost of your excess should you need to make a claim, meaning you won't be out of pocket when you most need it.
  • Uninsured Driver Protection: This ensures you're not left out of pocket if an uninsured driver hits your vehicle, covering your excess and protecting your no claims discount.
  • Foreign Use Cover: This extends your cover for driving abroad, providing you with the same level of protection as you enjoy at home.
  • Misfuelling Cover: Protects you against any repair costs if you accidentally put the wrong fuel in your car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for the replacement of any child car seats, even if there's no visible damage.

Did you know…?

There are plenty of good ways you can save money on car insurance as a HGV driver, including paying annually and parking your vehicle securely.

HGV Drivers Car Insurance - How to Save Money

Follow the tips below to make sure you get the best price for your HGV Drivers Car Insurance policy!

  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Avoid Modifications: Any modifications to your car could increase your insurance premium. If you're looking to save money, try to keep your vehicle as close to its factory condition as possible.
  • Limit Your Mileage: If you can, try to limit the amount of driving you do. Lower annual mileage can lead to cheaper insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record, free from accidents and violations, can help lower your premium costs as it shows insurers that you're a low-risk driver.

Compare HGV Drivers Car Insurance Quotes Now!

This comparison tool is a game-changer when it comes to finding the right car insurance. Here's the drill:
  • First, you'll need to punch in your personal details - they handle data with utmost care.
  • Next, they'll ask for your vehicle's specifics - the more detailed, the better.
  • Then, you should key in your current insurance details - it helps them serve you better.
  • And there you go, specialist insurance providers will soon be in touch with customised quotes.

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HGV Drivers Car Insurance FAQs

How much will HGV drivers car insurance cost?

This will depend on a few things. The main things insurance providers consider are –

 

  • Your age
  • The value of your vehicle
  • Your driving habits
  • Where the vehicle is parked
  • The area you live

Can I use my NCB from my job for my personal car insurance?

No. The cover you have for your HGV is a commercial policy and will likely be provided by the company you work for. Therefore, any no claims bonus you have from your job will not transfer over to a personal car insurance policy.

Are there any ways to save money?

Yes. Below are some of the best ways you can lower costs –

  • Get a car that’s in a lower insurance group
  • Get a limited mileage policy
  • Pay annually rather than monthly
  • Get quotes from different providers