If you own or operate a Heavy Goods Vehicle (HGV), your insurance needs are very different from standard car or van cover. Whether you’re an independent owner-driver or run a fleet, the right HGV insurance policy is more than just a legal requirement—it’s your financial safeguard.

This guide breaks down what HGV insurance covers, why it matters, and how to find a policy that keeps you compliant and competitive.

What Counts as an HGV?

In the UK, a Heavy Goods Vehicle is any vehicle over 3.5 tonnes. This includes:

  • Long-haul lorries
  • Refrigerated trucks
  • Tippers and tankers
  • Specialist transporters

If you’re driving one of these, you’ll need HGV-specific insurance—standard vehicle policies won’t cut it.

Why HGV Insurance Is Essential

1. It’s the Law

Driving without the correct insurance can result in:

  • Heavy fines
  • Points on your licence
  • Vehicle seizure

2. It Protects Your Business

If your lorry is damaged, stolen, or involved in an accident, the right cover keeps you on the road.

3. It Covers More Than the Vehicle

HGV insurance can also protect:

  • Goods in transit
  • Public liability
  • Employer’s liability (if you have drivers)

Types of HGV Insurance Cover

Fully Comprehensive

Covers damage to your HGV and other vehicles, plus theft, fire, and vandalism.

Third Party, Fire & Theft

Covers damage to others and their property, plus fire and theft of your vehicle.

Third Party Only

Covers damage to other vehicles and property—minimum legal requirement.

Optional Extras

  • Goods in Transit Insurance – protects your cargo
  • European Cover – essential for international hauliers
  • Breakdown Cover – keeps you moving

Common Risks for HGV Drivers

🚧 Road Accidents – Even skilled drivers can face hazards.
🔒 Cargo Theft – High-value loads are prime targets.
💨 Mechanical Failure – Delays mean lost contracts.
🌍 Cross-Border Risks – Different regulations abroad.

Cost of HGV Insurance

Prices vary based on:

  • Vehicle type and value
  • Driver experience
  • Annual mileage
  • Use (long haul, hazardous goods, etc.)

💡 Tip: Using one broker for multiple HGVs can secure better rates.

Real Client Example

“I was paying separate policies for two trucks—Alternative Insurance Brokers saved me £800 a year and added European delivery cover at no extra cost.”

How to Reduce Your Premium

  • Keep a clean driving record
  • Install GPS tracking and security devices
  • Choose a higher voluntary excess
  • Pay annually instead of monthly

Choosing the Right Policy

Every HGV operation is different. A broker like Alternative Insurance Brokers compares multiple insurers to find the best fit—tailored to your routes, loads, and drivers.

Final Word: Don’t Cut Corners on HGV Insurance

One accident, theft, or claim could cost far more than your premium. The right HGV insurance keeps your wheels—and your business—turning.

📞 Get a tailored HGV insurance quote today and keep your business moving forward.
🔗 Request Your Quote