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Click here to compare short term HGV insurance quotes from the UK's leading truck insurers. 

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Cover for Lorries, Trucks and all HGV vehicles
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Why Short Term HGV Insurance Is Essential for Truck Drivers in the UK


Driving an HGV truck is not an easy job, and it comes with a lot of responsibilities. One of the essential elements that HGV truck drivers must have is insurance. In the UK, it is illegal to drive without insurance, and the same goes for HGV drivers.

  • But what if you need to drive an HGV for just a week or a month?

  • Or is buying an annual policy makes no sense in such cases, and this is where short term HGV insurance comes in handy.

Let's go over why truck drivers need temporary HGV insurance for hired and loaned HGV lorries.

Unforeseen HGV Breakdowns

  • HGV trucks are subject to maintenance and can break down at any time.

  • This can be a daunting situation, especially when you have a tight schedule to follow.

  • Short term HGV insurance provides drivers with a replacement vehicle, ensuring you can complete your deliveries, and in the process, make your clients happy.

Hired HGV Trucks

In the UK, business people sometimes hire HGV trucks for a week or up to a month to transport goods.

  • However, these hired lorries may not come with insurance, and they may require a specific level of cover to protect the business further.

  • You can purchase short term HGV insurance covering the hired HGV that you intend to use, giving you peace of mind and protecting your business.

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Loaned HGV Lorries

In some situations, individuals or businesses may loan HGV lorries to other individuals or companies.

  • In such cases, the loaned HGV trucks may not come with insurance, and if the driver is involved in an accident, the owner of the HGV truck may end up being liable.

  • Short term HGV insurance provides the driver with the necessary coverage, making it easy for both parties.

Cost-Effective Solution

Purchasing an annual HGV policy is costly and may not be a viable solution for drivers who need the HGV for a short period. Short term HGV insurance policies are cost-effective and save drivers money, especially if they only have to use it for a few days or weeks.

Keep Your No Claims Bonus Intact

When it comes to insurance, no claims bonus is an important aspect.

  • The longer you go without making a claim, the bigger the discount you receive from insurance companies. In the unfortunate event that you are involved in an motorway accident with your HGV, your no claims bonus is put at risk.

  • However, with short term HGV insurance, a claim will not affect your annual insurance policy.

What is Temporary HGV Insurance and what does it cover?

Temporary HGV insurance is a short term policy that provides coverage to haulage companies for their hired drivers or vehicles.

  • It's offered for duration of between 1 and 28 days.

  • This policy is essential for companies that need to hire additional drivers or vehicles on a short term basis.

  • It provides coverage against damage or loss of the vehicle, injury to the driver or third-party liability.

  • The policy generally includes damage caused by natural disasters, fire or theft. However, it may not cover pre-existing damage to the vehicle.

How does Temporary HGV Insurance work?

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  • The process of obtaining temporary HGV insurance is straightforward. The first step is to get a quote from an insurance provider.

  • The quote will be based on factors such as the number of vehicles, the duration of coverage and the age of the drivers.

  • Once a quote has been secured, the policy can be purchased, and the certificate of insurance is issued within minutes.

  • The certificate of insurance is proof of coverage during the duration of the policy.

Selecting a Temp HGV Policy

The cost of temporary HGV insurance varies depending on the insurer, duration of coverage and number of vehicles to be covered. It's important to compare quotes from different providers before selecting a policy to ensure that you get the best value for your money.

  • Some providers offer discounts for multiple drivers and vehicles. Additionally, it's important to check the terms and conditions of the policy, including the level of coverage provided and under what circumstances it can be claimed.

  • Other factors to consider include whether the policy provides coverage for low loaders and trailers.

The benefits of Temporary HGV Insurance

The primary benefit of temporary HGV insurance is that it's a flexible policy that allows companies to meet short term business needs.

  • It's also a cost-effective solution for businesses that need insurance coverage for short periods.

  • A temporary HGV insurance policy provides complete coverage to the driver, vehicle and third-party liability.

  • Additionally, it has the added benefit of protecting the company's no claims bonus, which can result in lower premiums for future policies.

Temporary HGV Insurance vs Annual Insurance

While temporary HGV insurance is ideal for short term needs, if you require coverage for an extended duration, it may be more cost-effective to purchase an annual policy.

  • Annual policies offer a higher level of coverage at a better rate than temporary policies when it comes to long term needs.

  • Additionally, annual insurance has more comprehensive features that can protect your business better.

Are You Ready for Short Term HGV Insurance?

Driving an HGV truck comes with a lot of responsibilities, and having the right insurance coverage is an essential part of it.

  • Short term HGV insurance is the perfect solution for drivers who need to drive a hired or loaned HGV lorry for a short period.

  • It protects the driver and the business from any unforeseeable situations and is a cost-effective solution that saves drivers money.

  • Additionally, short term HGV insurance allows drivers to keep their no claims bonus intact, offering them further protection.

So, if you are an HGV driver planning to hire or use a loaned HGV lorry, remember to compare short term HGV insurance quotes before you leave our website today.

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