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If you drive a heavy goods vehicle (HGV) in the UK, having the right vehicle insurance is important. It is not just useful, but also required by law. Whether you are self-employed, managing a fleet, or doing deliveries, a good HGV policy will keep your lorry, cargo, and finances safe. Begin by comparing different policies to find the best price for your needs.

What Is HGV Insurance?

HGV insurance is a type of car cover meant for large commercial vehicles. It protects against things like loss, theft, and damage. It may also offer special benefits such as breakdown cover, help with goods in transit, and support for legal costs. This type of insurance is different from standard car insurance policies because it deals with the higher risks that come from professional freight driving.

Why Is HGV Insurance Important?

  • It is required by law to have third party insurance.
  • It protects you from expensive repairs if you have an event of an accident.
  • It pays for your responsibility to other people, including uninsured drivers.
  • It offers excess protection cover, personal accident support, and optional fleet benefits.
  • It provides peace of mind when you work long distances or travel across the country.
Why Is HGV Insurance Important

What is the best HGV insurance for UK lorry drivers?

The best HGV insurance provides complete coverage. This includes third-party liability, protection for your own vehicle, breakdown cover, and legal costs. It should be designed to fit your driving style, the value of your vehicle, and the kind of cargo you carry.

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Types of Cover Available for HGVs

Cover Type Level of Protection
Third Party Only Covers damage or injury caused to others
Third Party, Fire & Theft Adds cover for fire damage and stolen vehicles
Comprehensive Coverage Full protection for your lorry, third parties, and more

Many people like comprehensive coverage. This is because it gives more protection. It can also help you pay cheaper insurance premiums in the long run.

What’s Typically Included

What’s Typically Included?

Most HGV insurance policies include:

  • You are responsible for any damage to others.
  • We protect against theft, fire, and vandalism.
  • There is breakdown cover and roadside assistance available.
  • Coverage is for your specific registration number vehicle.
  • You can choose extra excess protection cover.
  • We cover windscreen repairs and towing.
  • You will get coverage for a temporary vehicle in the event of an accident.
  • You can keep your claims bonus from last year.

How Much Does HGV Insurance Cost?

Premiums change based on your individual circumstances. Important factors include:

Influencing Factor Impact on Premium
Vehicle type & value Larger trucks cost more to insure
Annual mileage More miles = more risk
Personal details Age, location, and driving history matter
Claims history Fewer claims = lower risk
Fleet size or multi-vehicle May lower cost with car insurance companies
Voluntary excess Higher excess may mean cheaper insurance premiums

The usual price you can expect is between £1,400 and £3,000 each year. This price varies based on your level of protection.

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Where to Compare HGV Insurance

Use tools like comparison sites, such as Free Price Compare, to compare:

  • ✅ HGV car insurance quotes
  • ✅ Providers with less exclusions
  • ✅ Benefits of the policy and extra options
  • ✅ Reputation of insurance providers and their support teams

These platforms help you find the best price. They take full advantage of those insurers who focus on vehicles for commercial use.

Can I Get Short-Term HGV Insurance?

Yes. Some insurance companies provide short term car insurance for lorry drivers. This type of coverage is perfect if you:

  • Are waiting for complete policy approval
  • Have part-time or seasonal driving contracts
  • Need short-term coverage for vehicle loans or test drives

Make sure the policy covers important parts like liability, goods in transit, and protection against fire and theft.

Can I Get Short-Term HGV Insurance

Things to Consider Before Buying

  • ✅ Review your current car insurance policies and the renewal quote.
  • ✅ Check if you can use a no claims discount.
  • ✅ Update your registration number, personal details, and how you use the car.
  • ✅ Think about if you need excess protection cover or additional protection for goods in transit.
  • ✅ Look at your situation from last year or December to see if your needs have changed.

A small change in how you use your vehicle can change your quote.

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Correct as of 02 April 2025

Frequently Asked Questions

Yes. The law states that all heavy goods vehicles that are used on UK roads must have insurance. This must include at least third-party coverage.

HGV insurance is different from standard car insurance. Normally, they do not stack together. You will need to create a new bonus record for your HGV insurance.

Fleet insurance can help you save money and make managing your policies easier. It can also provide representative cost savings when you compare it to insuring each vehicle on its own.

Yes, it is important, especially if you are self-employed or work long hours. This coverage gives you financial help if you get hurt while driving.

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Page last updated on: 23/09/2025

Page reviewed by: Shay Ramani

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