HGV Fleet Insurance
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HGV Fleet Insurance
Whether you operate two HGVs or manage a large fleet of heavy goods vehicles, having the right fleet insurance in place can help protect your vehicles, drivers and business operations.
At 1st Choice Insurance, we help haulage companies, transport businesses and logistics operators across the UK explore HGV fleet insurance options from a panel of over 80 insurers. Whether your fleet consists of rigid lorries, articulated vehicles, refrigerated trucks or a mixture of commercial vehicles, we can help you arrange insurance that reflects the way your business operates.
Fleet insurance allows multiple vehicles to be insured under one policy, making it easier to manage your insurance while helping to keep your business moving.
Get an HGV Fleet Insurance Quote
Whether you operate a small fleet or a nationwide transport operation, our team is here to help.
Call 03442 348143 to discuss your HGV fleet insurance requirements or complete our online quote form below and a member of our team will get in touch.
What is HGV Fleet Insurance?
HGV Fleet Insurance is a type of commercial vehicle insurance designed for businesses operating two or more heavy goods vehicles.
Rather than arranging separate insurance policies for each vehicle, fleet insurance enables multiple HGVs to be insured under a single policy. This can simplify policy administration, provide one renewal date and make it easier to manage changes as your fleet grows.
Fleet insurance can often be arranged for businesses operating a wide variety of heavy goods vehicles, whether they’re transporting goods locally, nationally or internationally, subject to the terms of the policy.
Depending on your business requirements, your fleet policy may also include additional covers such as Goods in Transit Insurance, Employers’ Liability Insurance, Public Liability Insurance and Breakdown Assistance.
Whether you operate a growing fleet of HGVs or an established transport business with dozens of vehicles, the cover available can be arranged to reflect the way your business operates.
Who Needs HGV Fleet Insurance?
HGV Fleet Insurance may be suitable for businesses operating two or more heavy goods vehicles.
It is commonly arranged by:
- Haulage companies
- Transport businesses
- Logistics companies
- Distribution businesses
- Construction companies
- Builders’ merchants
- Waste and recycling operators
- Agricultural businesses
- Food and refrigerated transport companies
- Pallet distribution networks
- Manufacturing businesses operating their own fleet
- Plant and machinery transport companies
Whether your vehicles operate locally, across the UK or internationally (subject to insurer terms), fleet insurance can help protect your vehicles and support your day-to-day operations.
Types of HGV Fleets We Can Help Insure
We can help arrange insurance for a wide range of HGV fleets, including:
- Articulated lorry fleets
- Rigid HGV fleets
- Tractor units
- Curtain-sided vehicles
- Flatbed lorries
- Box lorries
- Tipper trucks
- Tankers
- Refrigerated vehicles
- Skip lorries
- Hook loader vehicles
- Beavertail transporters
- Skeletal trailers
- Walking floor vehicles
- Mixed commercial vehicle fleets
Whether your fleet consists of one vehicle type or a combination of different commercial vehicles, our advisers will take the time to understand your business and discuss the insurance options available.
What Can HGV Fleet Insurance Cover?
The cover available will depend on your business activities, the vehicles you operate and the insurer you choose.
A fleet insurance policy can include a combination of different covers to help protect your vehicles, drivers and wider business.
Comprehensive Vehicle Insurance
Comprehensive insurance can provide cover for insured vehicles against accidental damage, theft, fire and malicious damage, while also including third-party liability cover.
Third Party, Fire and Theft
This level of cover provides protection for third-party liabilities together with cover for fire damage and theft of insured vehicles.
Third Party Only
Third Party Only Insurance provides the minimum level of motor insurance required for vehicles being driven on UK roads.
Goods in Transit Insurance
If your business transports goods belonging to customers or other businesses, Goods in Transit Insurance can help protect those goods against risks such as theft, accidental damage or loss while in transit.
Public Liability Insurance
Public liability insurance can help protect your business if you become legally responsible for injury to a third party or damage to their property as a result of your business activities.
Employers’ Liability Insurance
If your business employs staff, employers’ liability insurance is generally a legal requirement in the UK. It helps protect your business if an employee becomes injured or develops an illness through their work.
Breakdown and Recovery
Optional breakdown and recovery cover can help minimise disruption if one of your vehicles becomes immobilised, providing roadside assistance and vehicle recovery where included within the policy.
Legal Expenses Insurance
Legal expenses insurance may help with certain legal costs arising from insured disputes, depending on the policy selected.
Benefits of HGV Fleet Insurance
Managing multiple vehicles comes with additional responsibilities. Fleet insurance can provide several practical advantages for businesses operating more than one HGV.
Simplify Your Fleet Management
Covering multiple vehicles under one policy can make administration easier, with a single renewal date and one policy to manage.
Flexible Cover as Your Fleet Grows
As your business expands, additional vehicles can often be added to your policy during the period of insurance, subject to insurer acceptance.
Protect Valuable Business Assets
Your vehicles are among the most valuable assets your business owns. Fleet insurance helps protect them against a range of insured risks, helping reduce the financial impact of unexpected incidents.
Help Keep Your Business Moving
Optional covers such as breakdown assistance or replacement vehicle options may help minimise disruption if an insured vehicle is temporarily unavailable.
Insurance for Mixed Fleets
Many businesses operate different types of commercial vehicles. Fleet insurance can often be arranged to include a mixture of HGVs, vans and other commercial vehicles, depending on the insurer.
Why Choose 1st Choice Insurance for HGV Fleet Insurance?
At 1st Choice Insurance, we work with a panel of over 80 UK insurers, helping businesses explore HGV fleet insurance options for fleets of all sizes. Whether you operate a small fleet of rigid lorries or a large mixed fleet of commercial vehicles, our experienced advisers are here to help.
When you arrange your HGV fleet insurance through 1st Choice Insurance, you can benefit from:
âś“ Access to a panel of over 80 UK insurers
âś“ Experienced commercial insurance advisers
âś“ Cover options for HGV fleets and mixed commercial vehicle fleets
âś“ Support for businesses across the haulage, transport and logistics sectors
âś“ Ongoing support throughout the life of your policy
We understand that every fleet is different. That’s why we take the time to understand your business, discuss your requirements and help you explore the insurance options available.
Frequently Asked Questions About HGV Fleet Insurance
What is HGV Fleet Insurance?
HGV Fleet Insurance is a commercial vehicle insurance policy that allows two or more heavy goods vehicles to be insured under one policy.
Instead of arranging separate policies for each vehicle, fleet insurance brings your vehicles together under a single policy, making administration simpler and providing one renewal date.
How many vehicles do I need for HGV Fleet Insurance?
Many insurers offer fleet insurance for businesses operating two or more vehicles, although minimum vehicle requirements can vary between insurers.
Our advisers can discuss the options available based on the size of your fleet.
Can I insure different types of HGVs on one policy?
Yes. Many insurers can arrange cover for mixed HGV fleets, including articulated lorries, rigid HGVs, refrigerated vehicles, tippers, flatbeds and other commercial vehicles.
The cover available will depend on the insurer and your business activities.
Do I need Goods in Transit Insurance?
If your business transports goods belonging to customers or other businesses, Goods in Transit Insurance is worth considering.
It can help protect goods against theft, accidental damage or loss while they are being transported, subject to the terms and conditions of the policy.
Does HGV Fleet Insurance include public liability insurance?
Public liability insurance is not automatically included with every fleet policy but can often be arranged alongside your HGV fleet insurance.
It can help protect your business if you’re held legally responsible for injury to another person or damage to third-party property during your business activities.
Is employers’ liability insurance included?
If you employ staff, employers’ liability insurance is generally a legal requirement in the UK unless an exemption applies.
It can usually be arranged alongside your HGV fleet insurance to provide wider protection for your business.
Can I add or remove vehicles during the policy?
Fleet insurance is often more flexible than individual vehicle policies.
Subject to insurer approval, vehicles can usually be added or removed during the policy period, making it easier to keep your insurance up to date as your business changes.
Can I insure leased or financed HGVs?
Yes. Many insurers can provide cover for leased, hired or financed vehicles.
Your adviser will discuss your fleet and help identify insurers that may be suitable for your requirements.
Does HGV Fleet Insurance cover refrigerated vehicles?
Yes. Insurance can often be arranged for refrigerated HGVs and temperature-controlled transport fleets.
It’s important to discuss the type of vehicles you operate when arranging your policy.
Can articulated lorries and tractor units be insured?
Yes. Fleet insurance can often be arranged for articulated lorries, tractor units and a wide range of specialist heavy goods vehicles.
The cover available will depend on your fleet and the insurer’s acceptance criteria.
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