Truck Insurance
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Why Compare Truck Insurance Quotes with EasyQuote?
EasyQuote can help you save money and time by comparing insurance quotes from the UK’s leading insurance providers – all in one place.
We offer unbiased comparisons so you can find the best cover tailored to your needs at a competitive price.
All we need from you is information about your lorry or truck, your drivers, and some personal details. Once we have that, you will receive quotes within minutes thanks to the comparison tool.
How Does Truck Insurance Work?
Heavy goods vehicles (HGV) – also called trucks or lorries – require a specialist policy as they’re larger than cars and drivers need a lot of experience and a specific driving licence to drive these vehicles.
HGV/truck insurance will cover your truck and drivers in the event of an accident or third-party claim, and some comprehensive policies will cover the goods you’re transporting.
Who Needs Truck Insurance?
Business owners who have a fleet of trucks for company operations or sole operators with their own vehicles require truck insurance.
Trucks, lorries, HGVs – whatever you call them, they’re not cheap. HGV insurance is a legal requirement if you wish to drive your heavy vehicle on public roads in the UK.
What Are The Different Levels of Truck Insurance Cover?
There are different levels of cover available at different premiums
Comprehensive insurance
Comprehensive insurance covers damage to your truck if you’re in an accident, as well as any injuries you sustain in the accident. It will also cover your truck if it is stolen or damaged in a fire.
Comprehensive cover also includes third-party cover. That means that should your HGVs cause damage to someone else or their property, you’ll be financially protected if they make a claim or you need to pay legal fees.
Third-party, fire and theft
Third-party, fire and theft insurance covers damage to other people’s property or medical bills if someone else was injured in an accident caused by your truck.
You’ll also be covered in the event your own vehicle is stolen or catches on fire.
Third-party only
In the UK, you are legally required to have a minimum of third-party only insurance for trucks. It will only cover third-party claims if your vehicle caused damage to someone else’s property or you have to cover their medical bills due to an accident you caused.
What Are The Types Of Truck Insurance Policies?
There are several types of truck insurance policies, each tailored to specific scenarios or vehicles.
Fleet insurance
If you’re a fleet owner, this is the insurance policy for you. It allows you to insure multiple vehicles under a single policy. This is not only more affordable, but also simplifies the admin when it is time to renew your policy or make a claim.
Commercial vehicle insurance
This insurance policy covers most commercial vehicles, including HGVs and vans. If you use your lorry for business purposes, this insurance policy is a requirement.
Recovery truck insurance
This policy provides specialist cover for breakdown and recovery vehicles. Depending on the level of cover, it could also pay for the transport of recovered vehicles.
Flatbed truck insurance
Flatbed trucks can be used to transport various goods (including other vehicles) and, therefore, need a tailored insurance policy.
Tipper truck insurance
Tipper trucks are used to haul loose material like sand or gravel. This policy will specifically cover this kind of vehicle. They’re hazardous to drive because of their large size and they’re often targeted by thieves because of their expensive parts.
Refrigerated truck insurance
This truck insurance policy provides specific cover for refrigerated trucks used for temperature-controlled transport. The reason this kind of vehicle receives specialist cover is because of the unique parts that would have to be repaired or replaced.
Specialist truck insurance
Some vehicles that require specialist policies are those with a single function, such as:
- Cement mixers
- Gritter lorries
- Snow ploughs
- Livestock lorries
- Skip lorries
- Highway maintenance vehicles
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Which Add-Ons Can I Get With My Truck Insurance Cover?
If a standard vehicle insurance policy does not provide all the cover you need, consider getting one of the following insurance add-ons:
Breakdown cover
You’ll be covered if your vehicle breaks down next to the road and requires roadside assistance or towing to the nearest mechanic
Goods in transit cover
It offers financial protection if your cargo is damaged or lost during transportation.
Carriage of own goods
Should you use your HGV or lorry to transport personal possessions – like if you’re moving house and transporting your own furniture – this add-on will protect you should you get in an accident during transit.
Haulage
Haulage insurance applies to drivers who only make a single trip to transport goods (as opposed to couriers or hire and reward drivers who make several stops).
Hire and reward
Hire and reward cover is applicable if you use your vehicle to transport goods for customers for payment. For example, movers who help homeowners move to a new home should buy this type of insurance.
Employers liability insurance
If you are a business owner and have employees working for you, you legally need this policy. If an employee causes an injury to someone while working for you, or if an employee is injured on the job, you’ll be covered for medical bills and legal fees.
Public liability cover
Even minor accidents can result in lawsuits. This cover will safeguard you and your business if a third-party injury or property damage occurs outside of a road accident. For example, if you have a refrigerated truck that is dripping ice and water, and someone slips and falls, your insurance will pay their medical expenses and any lawsuit that might arise.
Personal effects cover
Any tools or personal belongings you store in your truck (like your phone or wallet) will be protected in the event of theft.
Legal expenses
Legal disputes can cost you a lot of money. Legal cover provides financial assistance for any legal costs you might incur due to an accident relating to your HGV or truck operations.
Replacement locks
A lost or stolen key can cause mayhem and delay an entire day’s work. This cover will ensure that you can get back on the road by paying for the cost of lost keys or replacement locks.
European cover
This is a necessity if your operations extend to neighbouring European countries.
How Much Does Truck Insurance Cost?
It is impossible to give a direct answer, as so many factors can influence the cost of truck insurance:
- The level of cover:
Comprehensive; third-party, fire and theft; and third-party only cover will all have different premiums. - Size of the truck(s):
Larger or more specialised trucks will cost more to insure as they’re a higher risk on the road. - Number of trucks:
Multiple trucks mean more costly insurance. - Annual mileage:
Higher mileage often results in higher premiums. - Truck security:
Trucks with added security features, like central locking and an alarm, will be cheaper to insure. - Named drivers:
Young drivers are considered higher risk as they have less driving experience, costing you more to insure. - Claims history:
If you’ve not made a claim, you will enjoy a claims bonus.
How Can I Find Cheap HGV Insurance?
Although the cost of truck insurance will depend on the factors above, there are some ways to reduce your premiums.
Compare prices
The easiest way to cut down on your insurance costs is to get several truck insurance quotes and compare prices and policies to find one that suits your budget and needs. EasyQuote can help you find the right truck insurance policy.
Experienced drivers
Avoid hiring young or inexperienced drivers as they will cost more to insure. Older drivers with lots of truck driving experience are considered less risky and have lower chances of causing an accident, lowering premiums.
Avoid “any driver” policies
A policy that will insure any licenced driver will be more expensive. To save money, limit who is allowed to drive your vehicles. It will be more affordable to add named drivers instead.
Pay annually
By paying your insurance upfront, you will avoid paying interest on monthly instalments.
Increase your excess
A higher excess suggests you will only make a bigger claim, which statistics state is less likely to occur.
Ensure you park your truck(s) at secure premises
Insurers are more likely to offer lower premiums to those who lock their premises at night or park off the road.
Build up your no-claims bonus
Install dashcams, sat-nav, trackers, and telematics systems in your vehicles.
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How To Compare Truck Insurance Quotes with EasyQuote? Truck Insurance Cover?
Comparing quotes is really easy thanks to the comparison tool. All we need from you is some basic information and you’ll have quotes from several insurance providers in minutes!
Provide us with information on your truck(s), drivers, location, and business.
We’ll get quotes from the top truck insurance providers in the country.
You’ll get to review the quotes and policies to find one tailored to your needs.
Frequently Asked Questions
It will depend on the insurance provider, but most insurers won’t cover drivers younger than 21, and those under the age of 25 will be very expensive to insure. Although young drivers’ insurance is available with some insurance providers, be prepared to pay a lot.
Mini fleet insurance can insure a minimum of two vehicles. The maximum limit will depend on your insurer, but there is no maximum legal limit. However, due to the complexity of the policy, most insurers will cap it at about 15 vehicles.
You need a minimum of third-party only cover in the UK. If you have staff, you’ll also legally require employers’ liability insurance. If you’re transporting goods for customers, transit cover is a good idea.
Yes, an insurance provider will consider your industry when calculating your premiums. For example, if you transport hazardous goods you’re considered higher risk and will pay higher premiums.
No – truck and commercial or private van insurance are not the same. Trucks are heavy goods vehicles and require specialist insurance due to their larger size and risks associated. Vans can be for private or commercial use, and van insurance is more affordable than truck insurance.