- Home
- HGV Insurance
- hgv insurance companies
compare hgv insurance companies
WHY USE US?
|
SECURE & ENCRYPTED
HAPPY RETURNING CUSTOMERS
100% FREE COMPARISON SERVICE
YOU COULD SAVE TIME & MONEY
|
WHY USE US?
Secure & Encrypted Form Data
UKLI COMPARE guarantee your confidence by securing online forms by following the latest internet security standards.
Happy Returning Customers
At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.
100% Free Comparison Service
Using the services here on our website is always free to the consumer 100%.
You Could Save Time and Money
Get your quotes by filling in one simple form, compare prices, and start saving.
Contact Leading hgv insurance companies
Looking for good HGV insurance companies for lorry or truck liability can be daunting. With all the different terms insurers use to describe these vehicles, it's easy to get confused. But don't worry; Quotesearcher LTD is here to help!
No matter what you call it, we've got you covered with our comprehensive guide to HGV insurance. Keep reading to find out how it works and get answers to all your burning questions.
- And when you're ready to compare quotes, simply fill out a short form.
- We've partnered with Quotesearcher LTD, who work with some of the UK's top insurers in this market.
- They'll make sure you find the perfect coverage for your HGV, Lorry, or Truck.
Oh, and by the way, you might also hear HGV, Lorry, or Truck insurance referred to as Haulage insurance or Hire and Reward insurance. These are more general terms that often include HGVs, but they can also cover vehicles like vans, cars, or motorbikes. Keep that in mind as you explore your options.
Looking after your precious vehicle is crucial. While covering damages is important, keep in mind that your goods won't be protected. For that, a separate Goods in Transit policy is essential. Don't worry, your HGV insurance provider can help with this too.
Now, let's talk about the options you have.
- First up is Third Party Only (TPO). This basic level of coverage is the minimum requirement to hit the road. It covers damages to other vehicles or public property, but not your own vehicle or trailer. So, look after them yourself. Surprisingly, we found that Comprehensive insurance can be cheaper, so keep that in mind!
- Next is Third Party, Fire and Theft (TPFT). It offers the same protection as TPO, but with additional coverage in case your lorry gets stolen or damaged by fire. Just remember, damages you cause in an accident won't be covered.
- Finally, we have Comprehensive. This is the most extensive coverage option, providing protection for your vehicle and others if an accident is your fault. It includes everything TPO and TPFT cover, plus insurances for your own vehicle's damages and repairs. If lorries are crucial to your business or income, it is highly recommend Comprehensive insurance. Surprisingly, it can be almost 50% cheaper than TPO or TPFT, giving you more coverage for less!
- Oh, and don't forget about optional extras! Insurers may offer additional coverage for specific costs or circumstances. It's worth exploring these options to tailor your policy to your needs.
Stay safe and covered on the road!
What's Included?
Legal Cover: Safeguards you against the expenses incurred during your defence, ensuring peace of mind.
Goods in Transit: Provides comprehensive coverage for any damages to the goods/materials you're transporting, guaranteeing their safety throughout your journey.
Breakdown Cover: Rest assured, if your vehicle cannot be repaired roadside, it will be swiftly recovered to a destination of your choice within an agreed radius.
Debris Removal: Don't bear the burden of cleaning up loose or fallen cargo. Let us shoulder the cost and ensure a hassle-free experience.
Misfuelling: Accidentally filled up with the wrong fuel? No worries! We'll cover the repair expenses, putting your mind at ease.
Personal Accident/Income Protection: Protects your income in case of an accident or illness that incapacitates you, ensuring financial stability during tough times.
HGV Business Insurances
If you're running your own transport/logistics business or you're self-employed, it's important to know about the insurances that can help protect you and your business if something goes wrong. Keep in mind that Employers' Liability is an legal requirement if you hire any staff, so make sure you're well-informed before getting started.
HGV Public Liability Insurance
- Public Liability insurance for truck drivers covers you in case a third party (customer, member of the public) is injured or experiences financial loss as a result of your work.
- You might find that some insurers include it automatically within your policy, while others offer it as a "recommended" add-on.
- Most drivers would suggest having a policy, and fortunately, they're not overly expensive—£2,000,000 of coverage starts from just under £85 per year for an example driver and may even be more affordable if you have more than two years of experience.
Now compare HGV insurance companies and do it fast!
Get Your Quotes here!
Discovering reliable HGV insurance companies is relatively straightforward! However, you won't find any "big" name brands in the market. HGV insurance is a complex affair, best entrusted to smaller, more specialized providers rather than larger, more "general" insurers.
GET HGV QUOTES →
