Why Compare Lorry Fleet Insurance?
Real Quotes For Big Trucks
Mainstream motor quotes rarely touch trucks over 7.5 tonnes. Clean Green Cars introduces you to specialist brokers who rate rigids and artics properly.
The Load Is Covered Too
The cargo can be worth more than the truck. Clean Green Cars introduces you to specialist brokers who can build goods in transit in.
Brokers Who Know Hauliers
Operator rules shape how trucks must run. Clean Green Cars introduces you to specialist brokers who understand that backdrop.
Lorry Fleet Insurance At A Glance
- Rigid trucks and articulated units can sit on one policy with a single renewal date.
- Specialist brokers can arrange any-driver terms for C and C+E licence holders.
- Goods in transit and haulage liability can usually be built into the schedule.
- Operator licence and tachograph obligations are understood by specialist markets.
- Get lorry fleet quotes from specialist brokers above.
How Fleet Cover Works
Licence Classes
Drivers need category C for rigids over 3.5 tonnes or C+E for artics, plus a valid Driver CPC.
Weight Bracket
This covers trucks above the 3.5-tonne car-licence limit. Lighter vans belong on van fleet insurance.
Operator Backdrop
A standard or restricted Operator Licence sets how the trucks are run, which insurers factor in.
Parent Cover
The wider fleet insurance range covers other vehicle types, and mixed trade fleets can compare commercial fleet insurance.
Setting Up Your Fleet Policy
Vehicle And Body Schedule - List every truck with registration, gross weight, body type and value. Clear detail helps specialist brokers reach the right HGV markets.
Driver And CPC Records - Provide ages, licence categories, Driver CPC status and any convictions. HGV fleet policies usually expect drivers aged 25 or over (ABI, as at 2026).
Cargo And Routes - Note typical load values and whether work is national or international, as this shapes goods in transit and liability cover.
Cover Levels Explained
Pick the lowest cover level and one overturned artic could leave the truck and the load on the business. Here's what each level could include.
| Feature | Comprehensive | Third Party, Fire & Theft | Third Party Only |
|---|---|---|---|
| Accidental damage to insured trucks | Included | Not included | Not included |
| Fire and theft of insured trucks | Included | Included | Not included |
| Injury or damage to third parties | Included | Included | Included |
| Any-driver or named-driver basis | Optional | Optional | Optional |
| Goods in transit and haulage cover | Add-on | Add-on | Not included |
| Trailer and attached equipment | Optional | Optional | Not included |
| Replacement vehicle while off road | Optional | Optional | Not included |
| Breakdown and recovery | Add-on | Add-on | Add-on |
Please note that policy features, benefits, terms and conditions vary among insurance providers, so always check the policy wording.
Cover Tip: A tractor unit and its trailer are often insured and even owned separately on an HGV fleet. Confirm whether trailers are listed on the motor schedule or sit on a separate trailer policy, because a detached trailer damaged in a yard can fall between the two and leave a gap nobody priced for.
What May Not Be Covered
A single exclusion can leave a five-figure cargo loss sitting entirely on a haulier. Here's what a lorry fleet policy usually may not include.
Standard Exclusions
- Driver outside the basis - A claim may be declined where the driver lacked the correct licence class or sat outside the agreed terms.
- Overloaded vehicles - Running a truck over its plated weight can lead to a claim being declined.
- Unroadworthy trucks - A claim is likely to be declined where a fleet truck was not kept roadworthy or maintained per O-licence duties.
Important Limitations
- The load itself - Cargo is usually excluded from the motor section unless goods in transit is added.
- Detached trailers - A trailer separated from the unit may not be covered if it sits on a different schedule.
Extras Worth Considering
Skip the wrong extra and a damaged consignment could fall outside your motor cover. Here's what's worth considering.
May help cover consignments carried, which the motor section often excludes.
May be needed where trailers are owned or hired and not listed on the main motor schedule.
May be needed if an HGV roadside failure could strand a load or block a route.
May help keep contracts moving by providing a comparable unit while one is off the road.
What Affects The Cost?
Underdeclare your routes or driver list and a future claim could be cut for misrepresentation. Here's what shapes the price.
| Key Factor | Impact on Your Price |
|---|---|
| Vehicle weights and values | Heavier trucks and higher unit values typically raise the premium, though a fleet spreads the risk. |
| Routes and distance | International or long-haul work usually costs more than local rigid distribution. |
| Driver ages and CPC status | Younger drivers or gaps in Driver CPC and convictions often push the price up. |
| Claims history | Three to five years of HGV claims shape your terms. A clean record often eases renewal. |
| Cargo carried | Higher-value or hazardous loads usually add to the premium and may need specialist terms. |
| Operating centre security | Trucks parked at a secured depot often rate better than ones left roadside overnight. |
The quotes you get will depend on your own details, the trucks on the schedule and your claims record. For context, around 521,000 HGVs were licensed in Great Britain at the end of 2023 (DfT, as at 2023), against an ABI average motor premium of around £560 (Q1 2026).
Price Insight: An HGV fleet that adds international routes mid-year without telling its broker can find a claim cut because the cover was rated for domestic work only. Flagging European work before the first trip usually costs less than a reduced settlement. Dedicated long-haul fleets can also compare haulage fleet insurance.
Ways To Cut Your Premium
Renew on autopilot and a truck fleet can quietly pay thousands more across the schedule than a fresh comparison. Here's how to cut that back.
Match Drivers To Units
Keeping less experienced drivers off the artics often reduces an any-driver loading on a truck fleet.
Secure The Operating Centre
Parking trucks at a gated, monitored depot can lower the theft element of the premium.
Raise The Voluntary Excess
A higher voluntary excess can cut the premium, but keep it to a level the business could absorb per truck.
Consolidate Renewals
Moving every truck onto one date avoids duplicate policies and gives brokers a clearer fleet risk.
Declare Routes Honestly
Accurate route and cargo data prevents loadings that come from cautious assumptions.
Saving Tip: Pull the tachograph and telematics records before renewal and share the speed, hours-compliance and harsh-braking summary with a specialist broker. An HGV fleet that can evidence compliant, careful driving often re-rates better than one assessed on cautious assumptions about heavy vehicles.
How To Compare Quotes
A truck fleet needs a full vehicle, driver and route schedule before an accurate premium can be calculated. Get started above when it's ready.
Build The Schedule
List every truck with registration, gross weight, body type and value, plus drivers and licence classes.
Set The Work Type
Confirm rigid or artic, domestic or international, and whether loads are carried for hire or reward.
Note Cargo And Trailers
Record typical load values and any owned or hired trailers so transit cover can be priced.
Compare Specialist Brokers
Use the form above so Clean Green Cars can introduce you to specialist brokers for HGV fleets.
Check The Cover
Confirm the driver basis, trailer position, transit limit and excess before you accept terms.
What Our Expert Says
HGV fleets get caught in one predictable place. The trailer.
A common pattern is a haulier insuring tractor units carefully, then assuming the trailers are automatically covered the same way. They are often a separate schedule, sometimes a separate policy, and a detached trailer crushed in a depot can fall outside the motor section that paid for the unit. There's also the route trap: cover rated for domestic haulage, then European loads taken on without re-rating, which a specialist broker would have flagged. The Operator Licence regime under the Goods Vehicles (Licensing of Operators) Act 1995 sets maintenance and compliance duties, and a fleet that drifts from its declared operating centre or vehicle count is worth a conversation before, not after, a claim. The operator licence guidance sets out those duties.
Insure the unit, the trailer and the load as one picture. That gap is where hauliers lose money.
Insurance Expert & Co-founder of Clean Green Cars
Common Questions
What Licence Do Drivers Need For A Lorry Fleet?
Category C covers rigid trucks over 3.5 tonnes and C+E covers artics, alongside a valid Driver CPC. Specialist brokers usually expect HGV drivers aged 25 or over (ABI, as at 2026).
Is One Lorry Fleet Policy Cheaper Than Separate Cover?
Often. One policy across several trucks can beat separate HGV policies, against an ABI average motor premium of £560 (Q1 2026), though routes and claims still set the price.
Can Rigids And Artics Go On One Policy?
Yes. Rigid trucks and articulated units can share one schedule. With around 521,000 HGVs licensed in 2023 (DfT, as at 2023), specialist brokers price mixed truck fleets routinely.
Does Lorry Fleet Cover Include The Load?
Not automatically. The motor policy covers the truck, not the cargo. Goods in transit cover is usually added so a high-value consignment loss is not declined (ABI, as at 2026).
Are Trailers Covered On A Truck Fleet Policy?
Sometimes. Trailers may sit on the motor schedule or on a separate trailer policy. Confirming which applies avoids a gap if a detached trailer is damaged.
Does An Operator Licence Affect Insurance?
Indirectly. Insurers expect O-licence maintenance and compliance duties to be met under the Goods Vehicles (Licensing of Operators) Act 1995, and a clean compliance record can support better terms.
How Do Driver CPC Gaps Affect Cost?
They typically raise the premium or restrict cover. A driver with a lapsed Driver CPC or convictions usually loads the price more than a fully compliant driver (ABI, as at 2026).
What Happens After I Submit My Details?
Clean Green Cars introduces you to specialist brokers who cover lorry and HGV fleets. They contact you with quotes to compare, with no obligation to buy.
Search & Compare Quotes From UK Lorry Fleet Insurance Providers
Useful Resources
- GOV.UK Vehicle Insurance - The official rules for driving insured on UK roads.
- GOV.UK Vehicle Operator Licence - Official guidance on managing a goods vehicle operator licence.
- GOV.UK Driver CPC Training - Rules for Driver CPC training and qualification.
- ABI Motor Insurance Guidance - Consumer guidance on motor insurance cover, claims and choosing a policy.
