Insuring a Fleet of Trucks

If you run a trucking firm and have several HGVs that you need to insure then you can do this by getting a fleet insurance policy.

HGV insurance is available from many insurance providers and getting quotes online is now easier than ever.

Below is a guide to HGV insurance including the types of cover you can get and where to find quotes.

Why get fleet cover?

There are a couple of key reasons to get fleet insurance rather than insuring HGVs separately. Firstly it’s much easier to insure your trucks together as a fleet rather than getting separate policies. This is particularly true for very large fleets.

Secondly – it’s usually cheaper to get a fleet policy to cover all your trucks rather than getting them insured individually. This makes fleet insurance a very good option for many types of businesses.

Types of HGV insurance

  • Third party – Third party insurance is the minimum level of cover required in order for vehicles to be road legal in the UK. It is the cheapest type of cover you can get and will only provide cover for other motorists if one of your drivers is at fault for a collisions. You can get fire and theft added to a third party policy for more protection.
  • Comprehensive – Comprehensive insurance will provide cover for your own trucks in the event of an own-fault collision. This will cost more than third party but gives you extra peace of mind.
  • Liability claims – Liability claims are always a risk for HGV firms so it’s essential that you get a good amount of public liability cover included in your policy. If you want even more protection where liability claims are concerned then you can also have legal expenses included in your policy.
  • Breakdown assistance – Breakdown assistance is always a very useful, if not essential, type of cover for HGV firms. You can have it included in a fleet policy if you don’t already have cover.

Get HGV insurance quotes

When it comes to getting HGV insurance quotes, getting them from an insurance comparison site is by far the best option. You can easily add and remove cover options and then compare the quotes you get and choose the best one.