What Is Truck Insurance?
Truck insurance is a commercial vehicle insurance that provides cover for heavy goods vehicles (HGVs), including trucks and lorries. It protects you, other drivers, and third parties in the event of accidents, damage, or injury. Whether you’re an owner-operator insuring a single truck or a fleet owner covering multiple lorries, HGV insurance is necessary for legal compliance and protection.
Do I Need Truck Insurance?
Yes, it is a legal requirement to have the correct insurance if you take a heavy goods vehicle (HGV) on the road. It protects you and any third parties involved. Your lorry must be insured even if you don’t intend to drive it unless it has been officially registered as off the road with a Statutory Off Road Notice (SORN). If you are insuring multiple HGVs, truck fleet insurance could be a more suitable and cost-effective option for your business.
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What does truck insurance cover?
The type of cover you need will depend on a few different factors. First is the type of truck, or trucks that you want to insure. Secondly is whether you’re an owner driver who only needs to insure one truck or you operate a business with multiple trucks that need insuring. Lastly is the budget you have for your insurance.
What the experts say…
"If you have multiple HGVs, insuring them all as part of a truck fleet may be more convenient and cost-effective than covering them individually."
– Ian Beevis, Founder of Clean Green Compare
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What else can truck insurance cover?
Insurance policies can differ, but they may offer additional features as standard or for an extra premium.
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How to Save Money on Your Truck Insurance
Saving money on insurance should always be a top priority. Luckily there are some surefire ways to save a good deal of money on your truck insurance. Below are some great money saving tips
What sort of trucks can be insured under an HGV policy?
Truck Insurance FAQs
Do I need an operator’s licence to drive a truck?
If you drive a vehicle over 3.5 tonne an operator’s licence is required whether you are carrying own goods or transporting goods for hire and reward.
What types of vehicles can you get cover for?
- Recovery/Breakdown Trucks
- Crane
- Skeletal
- Articulated lorry
- Curtain Side
- Skip carrier
- Refrigerated truck
- Flatbed truck
- Dropside
- Ripper Waste disposal truck
- Concrete mixer
- Recycling truck
Does my type of business affect my truck insurance?
Insurers will take your business type into consideration when calculating the policy premium. For instance, if you are carrying hazardous goods insurers could increase the premium, due to the higher risk involved.
What are the age restrictions on truck insurance?
Most insurers wont cover drivers under the age of 21, and a number under the age of 25. Cover is available for younger drivers but expect to pay a considerably higher premium with a limited number of insurers.
What factors affect the cost of a truck policy?
Where can I get truck insurance quotes?
There are many ways to get quotes. You can of course contact insurance providers directly. However if you want to get quotes from multiple providers then there is a better way of doing things. You can get quotes from a panel of truck insurance specialists within a matter of minutes by clicking the green quote button below. All you have to do to get your quotes is provide a bit of information about yourself, your business and the type of policy you need.
Can I use my no claims bonus on my truck insurance policy?
Yes. Providing that the no claims bonus was earned in the UK there should be no issue with transferring it over from one insurance provider to the next. Usually the no claims bonus will also need to be on the same type of vehicle too, although there are exceptions to this.
What level of HGV cover am I required to have legally?
In order to comply with the law, all vehicles must have at least third party insurance. In addition to this, if you employ drivers then you must also have employer’s liability. When transporting goods it’s also a very good idea to have goods in transit cover.
The main factors that affect the cost a truck insurance policy are –
- The size of the truck(s) being insured
- The number of trucks being insured
- The mileage of the trucks
- How secure the trucks are
- The named drivers on the policy
- The level of cover
Is it possible to insure multiple trucks together?
Yes. In fact this is very common with truck insurance. With a fleet truck insurance policy you’re able to insure multiple trucks, including multiple truck types, under one easy-to-manage policy.