Truck insurance, also known as lorry or heavy goods vehicle (HGV) insurance, is what you need to get your truck or HGV on the road.
It ensures you're covered in the event of an accident. At the very least, depending on your chosen level of cover, it protects you against claims from other drivers for damage or personal injury.
It's similar to van insurancein that it’s aimed at the commercial sector and is tailored to use for business vehicles.
We've partnered with Quote Me Today who specialises in truck insurance. They offer tailored policies and competitive rates.
Read on to find out more about insuring your truck or select 'Get a quote' to get a price comparing with our partner, Quote Me Today.
Just like with standard vehicle insurance, you can buy truck insurance policies in 3 levels:
Third party
Third-party, fire and theft
Comprehensive
Policies do vary but there are a number of extras you can add-on that either come as standard or at an extra cost:
If you’re driving a HGV or other large truck, you’re probably doing so as part of a business. You'll have to make sure you accurately describe how you're using your truck to your insurer.
Commercial truck driving is split into 2 main categories:
Haulage
Carriage of goods
HGVs have a gross weight of over 3.5 tonnes - 7.5 tonne lorries are particularly common, with some of the more widespread examples being articulated lorries.
These consist of a tractor at the front connected via a pivot bar to a trailer and other lorries with more than 2 axles.
Light goods vehicles (LGVs) have a maximum gross weight of 3.5 tonnes, which includes passengers, cargo and fuel.
Pick-up trucks and vans are typically classified as LGVs. Usually, you’re allowed to drive LGVs with a standard driving licence, but check before you do so.
You might be required to do some extra training before you can drive certain kinds of LGVs.
Quote Me Today is a commercial insurance broker based in the UK. They provide custom insurance policies for multiple kinds of businesses but specialise in the motor trade and business sectors.
Quote Me Today is regulated by the Financial Conduct Authority (FCA). This means they're strictly regulated and work to ensure all their customers are treated fairly.
They're also rated 'Excellent' on Trustpilot.
"If you're an independent haulier, or if your business has exactly 1 heavy goods truck, truck insurance is what you're after. If you're looking to insure more than one heavy goods vehicle, then you're better off looking at fleet insurance.
Our partner, Quote Me Today, offers tailor-made cover that you can customise to meet your business needs. They even have former hauliers working for them so you know you're in safe hands."
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