Cheap HGV insurance for all haulage vehicles – save money on your HGV insurance

If you want cheap HGV insurance you have come to the right place! insureHGV are HGV insurance brokers who provide competitive HGV insurance quotes online and excellent levels of carriage of own goods insurance and goods in transit insurance. We are haulage insurance experts with access to exclusive HGV insurance quotes we have negotiated with our underwriters who provide both a single HGV insurance policy and haulage fleet insurance.

insureHGV cater for single driver HGV insurance through to comprehensive HGV fleet insurance – this includes both new and experience HGV driver insurance.

We also provide competitive quotes for carriage of own goods , goods in transit insurance and public liability insurance

As an independent HGV insurance broker, we use our excellent relationships and exclusive HGV insurance rates to secure the best online HGV insurance quotes for our customers. We use our panel to find you discounted HGV insurance to save you money AND provide excellent levels of cover – many of our rates are exclusive and not available anywhere else.

Why insure your vehicle with insureHGV

• Dedicated expert HGV insurance team
• Exclusive rates with our underwriters not available elsewhere
• Unlimited HGV insurance mileage policies
• Free courtesy vehicles to keep you on the road – like-for-like trucks at no cost
• Free Legal expenses
• Monthly HGV insurance payment options available – via direct debit
• Large introductory discounts for new couriers and new ventures
• Protected no claims bonus for experienced HGV drivers
• HGV Fleet insurance & management services available for 3 or more vehicles
• Cheap HGV insurance – plus HGV insurance online quotes

For a HGV insurance quote, submit your details using our online HGV insurance form or call 0800 142 2841

** Huge discounts available for experienced HGV drivers and second / third vehicles!

** Specialist HGV Fleet insurance policies to save you time and money

Click here for the full range of insurance quotes we provide

Other truck insurance services we provide:

Liability insurance Cover

Goods in transit insurance cover

Haulage Fleet insurance

HGV Insurance and Haulage Insurance – Frequently asked questions

What is HGV Insurance?

Motor insurance is required by law if you intend to use or leave your vehicle on a public highway. HGV insurance is required if you drive a vehicle of over 7.5 tonnes and up to a maximum of 44 tonnes. This is sometimes referred to as truck insurance. HGV’s, Wagons and Articulated Lorries all fall under the truck insurance umbrella.

HGV insurance normally includes goods in transit insurance so you can carry goods for hire and reward and the contents are fully insured.

Trucks can be insured for Carriage of Own Goods and Haulage & goods and transit use.

There is sometimes confusion between HGV insurance and haulage insurance.

HGV insurance / carriage of own goods insurance can be a single vehicle carrying your own goods. Haulage insurance includes goods in transit insurance where you are being paid to carry other people’s goods – so it is very important that you have adequate levels of goods in transit insurance. This obviously applies for any haulage fleet insurance policy.

Cover can be arranged for all types of policyholders to include sole HGV proprietors, HGV business partnerships, HGV and haulage companies where incorporated, HGV single drivers and HGV new driver insurance policies.

Big discounts are available for experienced HGV drivers or HGV drivers with second vehicles. insureHGV can also obtain competitive quotes and discounts for new HGV drivers.

What types of HGV insurance are there?

Truck insurance cover types

Truck insurance follows the exact basic principles of ordinary van or courier insurance.

The truck can be insured for:

• Carriage of Own Goods
• Haulage purposes

The truck insurance policy will offer either:

• Third Party Only
• Third Party Fire and Theft
• Comprehensive HGV insurance cover

Insurance policies for lorries can also be restricted to named drivers or any driver policies, policies in the name of individuals, company truck policies (sometimes known as haulage fleet insurance) and therefore add or delete drivers from the policy

Goods in Transit Insurance is usually a must for all policyholders. We have exclusive facilities with large insurance companies and can offer all types of Goods in Transit Insurance.

Who will my HGV insurance be with?

insureHGV search a wide panel of HGV insurers to find you the best deal for your HGV insurance. Our mission is to find you cheap HGV insurance. Before you buy your HGV insurance policy, our HGV insurance online quote service will allow us to search for the cheapest HGV insurance with the best levels of cover.

As one of the country’s biggest and fastest growing HGV insurance brokers, we have negotiated exclusive rates with our underwriters and you’ll have direct access to haulage insurance rates that you won’t find anywhere else.

Our underwriters include big names such as Aviva (Norwich Union), Tradex, HBCS insurance, Brit and Groupama.

Can I get immediate cover?

Yes, providing you have a credit or debit card we can issue you with immediate cover, subject to normal terms and conditions. Please note that if you choose to pay by Direct Debit we will require a deposit from you, payable by credit or debit card and you will need an account that supports the Direct Debit facility.

What is the difference between courier insurance and haulage insurance?

Both Courier insurance and haulage insurance requires that the use of your policy specifies “Carriage of Goods for Hire and reward”. But there are a few differences between them both.

Haulage contractors often have set contracts to whom them deliver to on a regular basis. They normally have pre booked appointments and due to this haulage contractors will know exactly what they are carrying.

Courier drivers do not usually have specific contracts. Couriers will advertise and get customers for transporting one-off items. The key difference is that anyone could contact a courier or courier company at any time on any given day. Couriers will not always be aware of the packages they are carrying.

Couriers often use vans rather than HGV’s as they are much cheaper to run and require less fuel – making it more profitable. The vans are typically up to 3.5 tonnes in weight. HGV’s are normally over 7.5 tonnes in weight and can carry a lot more.

If you want courier insurance for vans, we have a specialist team and website for this so please visit www.insurecourier.com or call our expert courier team on 0800 142 2838

Along with commercial vehicle insurance you will require Goods in transit and Public Liability. Goods in transit insurance insures the merchandise which you are transporting while in transit

How many drivers can I have on my HGV insurance policy?

The majority of HGV insurance policies are either insured only or Named Drivers as the truck insurance costs increase as driver numbers increase. But you can have Any Driver policies if you wish.

There are several driving restrictions available to include Insured Only, Named drivers and then Any Driver over a requested age. Your HGV insurance quotes will depend on how many drivers you have, what age they are and what no claims history they have.

If you have HGV no claims bonus you will receive a substantial discount – up to 65% off the rate.

If you have private car / van no claims discount you will also receive a substantial discount - up to 65% off – this applies even if you have no claims / accidents as a named driver of another vehicle

Are there lorry insurance introductory discounts?

Yes - Because of the relationships we have built amongst the truck insurance underwriters, we have been able to obtain a variety of truck insurance discounts. We can mirror No Claims Bonus from your car or other van, and if you haven’t got another vehicle in your name we can offer discounts just for driving experience, be it from your partner or your company.

What types of vehicle can I use as a HGV?

There are many types of vehicles that can be used as a Heavy Goods Vehicle.

Examples of types of vehicles would be an Articulated Lorry, Tipper Lorry, Cement Mixers, Skip Lorry etc

When will I get my insurance documents?

You will get your HGV insurance documents within 5 working days. We will issue an immediate cover note if necessary. Your HGV insurance renewal documents will be sent to you automatically.

Can I use my HGV no claims bonus?

Yes, you can use your HGV insurance no claims bonus to earn a discount off your HGV policy

insureHGV have big discounts for experienced HGV Drivers – this includes any no claims bonus you have from previous HGV insurance policies.

By using our network, we can usually obtain discounts of up to 65% for renewal of existing HGV insurance policies

I want to start a Haulage business – what about discounts for new HGV drivers or a new Haulage business?

We understand that a huge cost when starting your haulage business will be your haulage insurance. No claims discount is usually a large factor of consideration with HGV insurance companies. However, if you don’t have any or have limited no claims bonus we can still save you money if you are an experienced or new HGV driver. We have negotiated huge introductory discounts from many of our insurance partners and pass these incredible discounts onto our customers.

For example:

• we can give up to 65% Introductory No Claims Discount if you are an experienced lorry driver
• we can give up to 65% Introductory Discount if you have been driving another truck not necessarily insured in your name
• we can give up to 65% Introductory No Claims Discount if you have another lorry being insured elsewhere

Is there an excess on my Haulage Insurance?

The choice is yours. Your online HGV insurance quote will ask what excess you are looking for. Of course, if you get a phone quote then our account handlers will advise this.

There is the option to delete the policy excess from all our HGV insurance quotes at a small additional cost. However, most HGV drivers and Haulage companies choose to have an excess as it keeps the premium lower.

If you currently have a £500 excess, we are confident we can reduce it to £250 whilst beating your current rate.

Do you provide an online HGV insurance quote?

insureHGV provide online HGV insurance quotes. Simply visit our online HGV insurance quote page and submit your details. One of our expert HGV insurance brokers will receive your details, search for the best prices and contact you within 24 hours with the quote.

Can I phone you for an HGV insurance quote?

Yes, we’d welcome your call – freephone 0800 142 2841

Many of our customers choose to discuss their HGV insurance quote by phone. The main benefit of a phone quote is that we can change a policy to suit your individual needs there and then, shop around, and usually provide larger discounts AND better policy cover.

We are based in the UK with a specialist HGV team. These haulage insurance experts know exactly where to go to get the right insurance for you and our large panel and exclusive insurance rates means we have access to market leading HGV insurance prices

New HGV driver or new haulage business – can I get cheap HGV insurance?

Absolutely. As a specialist HGV insurance broker we are experts at getting competitive insurance rates for new HGV drivers. This is especially true if you have a good driving history using private car insurance policies or company car/truck insurance policies. Sometimes you can transfer your private no claims bonus onto your HGV insurance policy.

We have access to market leading HGV insurance prices for new HGV drivers and new haulage companies.

Will HGV fleet insurance be the best option if I have more than one vehicle?

Haulage Fleet insurance is a specialist area and we have a specialist HGV fleet insurance team who deal with fleet insurance every day. Please call 0800 142 2841 or see our specialist fleet insurance website.

We can insure any HGV fleet, any size and a variety of vehicles – including cars and vans

HGV fleet insurance will save you considerable money and time if you have 3 or more HGV vehicles – with one simple renewal date.

What if I need to deliver goods into Europe?

UK Lorry Insurance is the traditional contract. However it is becoming more regular that foreign use insurance is required, especially with the expansion of the European Union and channel tunnel links. Temporary foreign use insurance to European countries can be easily issued with a Green card extension. If very regular foreign use travel occurs then we can easily provide Annual cover for European lorry insurance by issuing an Annual Green Card endorsement.

What other policies should I consider?

Public Liability Insurance can be required. Some insurers provide this with your HGV insurance policy and if not we can arrange separate cover at a small additional policy premium.

Goods in transit insurance should be considered if you are carrying other peoples goods. This will protect you in the event of the goods becoming damaged, lost or destroyed (e.g. fire).

Carriage of own goods insurance is best if you simply transport your own goods and equipment (e.g. scaffolding company)

Replacement vehicles and claims management service

Most of our insurance policies guarantee a replacement truck in the event of an accident. This is a must to ensure that your livelihood and your business are covered in the unfortunate event of your vehicle being off the road.

We know how important it is to keep trucks on the road and we have an excellent relationship with one of the UK’s leading accident management company who specialise in business vehicles of all sizes

Why insureHGV.com?

insureHGV are one of the UK’s leading HGV insurance brokers, covering the whole of the UK. We are a specialist HGV insurance broker and our team do nothing else but work closely with HGV drivers and haulage companies.

insureHGV is part of County Insurance Consultants Ltd, who specialize in professional driver insurance. This includes courier insurance, HGV insurance, Fleet insurance, and also private car and van insurance.

We can also provide goods in transit insurance and liability insurance. Please include these requests on our online insurance quote form.

CLICK HERE FOR A HGV INSURANCE QUOTE OR CALL 0800 142 2841