Compare HGV Insurance Quotes

HGV insurance costs vary widely depending on the vehicle type, driver experience, mileage, goods carried, and claims history. Policies can start from a few thousand pounds per year for low‑risk operators, but higher‑risk or long‑distance haulage fleets may pay more. The only accurate way to get a price is to compare quotes from specialist HGV brokers.

Insurers may consider:

• Vehicle weight and value
• Driver age and experience
• Claims history
• Type of goods carried
• Mileage and routes
• Security measures
• Operating base location

Yes. Articulated lorries require specialist HGV insurance due to their size, value, and operational risks. Many insurers offer tailored cover for 44‑tonne artics.

Not automatically. Goods in Transit (GIT) cover is usually added as an optional extra to protect the cargo you’re transporting.

Yes. Many insurers offer extended cover for EU and international routes, but you must declare your destinations and frequency of travel.

Some policies include trailer cover, but others require it as an add‑on. You must list any owned, hired, or interchangeable trailers.

Yes. If you operate more than one vehicle, a fleet or multi‑vehicle HGV policy may be cheaper and easier to manage.

The main levels are:

• Third Party Only

• Third Party, Fire & Theft

• Comprehensive Optional extras include breakdown, legal expenses, and windscreen cover.

Some insurers will cover younger drivers, but premiums are usually higher. Specialist brokers can help find suitable policies.

Haulage involves transporting goods for clients, while carriage of own goods covers businesses moving their own equipment or stock. Insurers rate these risks differently.

Yes. Temporary HGV insurance is available for short‑term needs such as vehicle collection, seasonal work, or driver changes.

You’ll typically need:

• Vehicle details

• Driver information

• Claims history

• Operating base

• Type of goods carried

• Estimated mileage

Public liability is not included automatically. Many operators add it to protect against claims for injury or property damage caused during loading, unloading, or site access.

Yes. Specialist brokers can arrange cover for higher‑risk drivers or operators, though premiums may be higher.

Some policies include this, but others require an add‑on. It’s important to check your policy wording.

Yes. Most insurers offer monthly payment plans through finance agreements.

HGVs used privately must be declared, and not all insurers offer this. Most policies are strictly for commercial use.

You can lower premiums by:

• Improving driver training

• Installing telematics

• Increasing security

• Reducing claims

• Using secure overnight parking

• Maintaining a clean operator compliance record

RHA – Road Haulage Association