HGV Fleet Insurance

HGVs are the backbone of UK supply chains. When a truck goes off the road, the cost is immediate and significant. A dedicated HGV fleet policy puts all your lorries under one contract, with cover designed for the scale and risk profile of heavy haulage operations.

✓ Cat C and C+E drivers covered
✓ Rigids, artics and tippers accepted
✓ One renewal date for the fleet
✓ Goods in Transit available alongside
✓ FCA regulated broker
✓ 24/7 claims via iRevolution
✓ Cover arranged same day

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Please note: This quote form is not for Motor Trade Insurance. For Motor Trade, click here.

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What is HGV Fleet Insurance?

Why choose Fleet Brokers?

Do I need this cover?

Cover levels available

Who is it for?

Main features of a policy

Optional add-ons

Payment options

Frequently asked questions

HGV fleet insurance - lorries and trucks

What is HGV Fleet Insurance?

HGV Fleet Insurance is a single motor insurance policy covering two or more commercial vans used for business purposes. It replaces the need to hold individual policies for each vehicle, bringing the entire fleet under one contract with one renewal date and one set of documents to manage.

For businesses where vans are the primary working tool, the practical value of a fleet policy goes beyond convenience. Any driver cover means staff can move between vehicles without being tied to a specific van. Mid-term changes are handled through one broker rather than multiple insurers. And when something does go wrong, there is one number to call.

The policy works across a wide range of van types. Whether you run a handful of panel vans for a local trade or a mixed fleet of Luton boxes, crew cabs and refrigerated units across multiple depots, a HGV fleet contract can accommodate the range without needing separate arrangements for different configurations.

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Why choose Fleet Brokers for your HGV Fleet Insurance?

A HGV fleet is not a low-risk asset. Commercial vans cover high annual mileages, operate in dense urban traffic and change drivers regularly. Tools, stock and customer goods travel in them every day. The combination of constant use and frequent driver turnover means incidents are a fact of life for most fleet operators, not an occasional exception.

Fleet Brokers by Quote Me Today works with insurers who understand the realities of running commercial vans. We are independent, so we can approach a range of markets rather than defaulting to a single provider. We look at how your fleet is actually used, including overnight parking locations, driver ages and the nature of the loads your vans carry, and find terms that reflect that.

When a claim does happen, speed matters. iRevolution Claims is available 24 hours a day, every day, to take your report and start the process immediately. For businesses where a van off the road means work not done, that response time is not a small thing.

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We are an independent broker with no obligation to a single insurer. That matters for HGV fleets because insurers price differently depending on how vans are used, where they are kept overnight and the age profile of the drivers. We search across the market to find terms that reflect your specific operation rather than applying a standard commercial fleet rate.

High mileage, urban overnight parking, rotating driver rosters and the ever-present risk of tool theft are all part of running a commercial HGV fleet. We place cover for businesses in trades, logistics, facilities management and construction, and we know how those sectors operate and which insurers are set up to cover them properly.

Fleet Brokers is a trading name of Quote Me Today, authorised and regulated by the Financial Conduct Authority (FCA No. 786619). As an FCA-regulated broker, we are required to act in your interests and maintain high standards of transparency and fair treatment throughout the process.

HGV fleets change as contracts come and go. New trucks join, old ones retire, trailers move in and out of the schedule. We handle mid-term changes straightforwardly so the policy always reflects your actual fleet, including the operator licence position and any changes to the types of loads being carried.

Annual premium, two instalments or monthly direct debit through our third-party finance provider. For businesses where the HGV fleet is the main capital overhead, monthly payment can make a real difference to how the books look at the end of each month.

Business type	Why HGV Fleet Insurance is relevant
General haulage contractors	Businesses moving palletised goods, caged loads and general freight across the UK under a Standard National or Standard International operator licence
Refrigerated and temperature-controlled carriers	Hauliers running refrigerated trailers for food, pharmaceutical and other temperature-sensitive loads where vehicle availability and cover reliability are both critical
Bulk tipper and aggregate operators	Companies moving sand, gravel, soil, demolition waste and other bulk materials using tipper configurations across construction, quarrying and waste sectors
Tanker operators	Businesses transporting fuel, chemicals, liquid foodstuffs or other liquid bulk products in tanker-configured HGVs with the specific liability that comes with hazardous or high-value loads
Container and port logistics	Operators moving ISO containers between ports, rail terminals, warehouses and distribution centres using skeletal or flatbed tractor and trailer combinations
Waste management and skip hire	Businesses collecting, transporting and processing commercial, industrial and domestic waste using HGV configurations across daily scheduled and reactive routes

Do I need HGV Fleet Insurance?

Standard motor insurance, including standard business use cover, does not extend to vehicles being used as a core commercial tool on a daily basis. If vans are how your business earns money, whether that is getting tradespeople to jobs, fulfilling delivery rounds or moving materials between sites, you need appropriate commercial fleet cover in place.

A fleet policy also makes practical sense beyond compliance. Having all your vehicles on one contract means renewal is a single event rather than a rolling calendar of individual dates. If a vehicle is uninsured because a renewal was missed, the financial and legal consequences fall entirely on the business.

The table alongside outlines the types of businesses that regularly use HGV Fleet Insurance.

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Levels of cover available for HGV Fleet Insurance

HGV Fleet Insurance is available at three levels of cover. For working vans that spend their lives in heavy traffic and on building sites, the choice matters more than it might for a lower-risk fleet.

Policy terms and the features included at each level vary between insurers. Always review the full wording before taking out cover to confirm it suits your operation.

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Third Party Only

The legal minimum for road use. Covers third-party injury and property damage only. Your own trucks are entirely unprotected. For HGVs that can cost six figures to replace, third-party only is rarely a sensible option for professional haulage operators.

Third Party, Fire and Theft

Adds fire and theft protection for your own vehicles to the third-party baseline. More appropriate than minimum cover for operators parking trucks at shared or unsecured yards, but the fleet remains unprotected against the accidental damage that is an ever-present risk in heavy haulage operations.

Comprehensive

The most complete level. Covers accidental damage to your own trucks regardless of fault, combined with fire, theft and full third-party liability. For most professional haulage operators, comprehensive cover is the only level that realistically reflects the financial exposure of a working HGV fleet.

Who is HGV Fleet Insurance for?

If your business earns money through what your vans carry, where they go or the people they get to jobs, HGV Fleet Insurance is the right starting point. It is for businesses where the vehicles are not a convenience but a necessity.

Below is an overview of the types of businesses that commonly use this cover:

✓ General haulage and logistics operators
✓ Refrigerated and temperature-controlled carriers
✓ Bulk tipper, aggregate and waste operators
✓ Tanker and liquid bulk transport businesses
✓ Container logistics and port haulage operators
✓ Construction and civil engineering haulage
✓ Any business operating two or more HGVs commercially

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Quote Me Today is a UK based, proudly independent insurance broker.

Most of our HGV fleet clients come to us through referrals or by finding us online, then stay because the service is consistent. You can read what other fleet operators say about us on Trustpilot before picking up the phone.

What are the main features of a HGV Fleet Insurance policy?

The features of a HGV Fleet Insurance policy are shaped by the way working vans are actually used: constant availability, multiple drivers, mixed body types and the need to add or swap vehicles at short notice. The list below covers what a well-structured HGV fleet policy typically looks like.

Main features

Cover for all main HGV categories - rigids, artics, curtainsiders, tippers, flatbeds and tractor units, subject to insurer acceptance and declared use
High indemnity limits appropriate to HGV claims - HGV third-party incidents can produce very significant claims; the policy needs to reflect this rather than applying standard commercial fleet limits
Driver qualification compliance - cover structured around Cat C and C+E licence categories, with CPC requirements taken into account when presenting the risk
Trailer cover when attached - trailers coupled to insured tractor units are typically covered as part of the fleet policy, subject to individual policy terms
Mid-term fleet changes - add or remove trucks as your operation evolves, with premiums adjusted pro-rata and operator licence changes communicated accordingly
24/7 claims support via iRevolution Claims - HGV incidents need immediate attention; round-the-clock reporting means nothing waits until the next working day
Goods in Transit available alongside - cargo cover for the loads your HGVs carry can be arranged in parallel with the fleet motor policy
Flexible payment terms - annual, two-instalment or monthly direct debit through our third-party finance provider

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Optional add-ons and additional cover

A HGV fleet policy covers the vehicles. It does not cover the tools inside them, the goods they are carrying, your legal obligations as an employer or your liability to the public away from the road. For most trade and logistics businesses, all four of those things need separate consideration.

We can help you look at the full picture and put the right covers in place alongside your fleet policy so nothing is left unprotected.

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Your HGV fleet policy covers the vehicles, not what is inside them. If your vans regularly carry tools, stock or customer goods, a separate Goods in Transit policy provides protection for the cargo itself while it is in transit. Subject to policy terms.

Commercial vehicle breakdown recovery for HGVs operates very differently from car or van recovery. Getting a broken-down artic off a motorway hard shoulder or out of a customer site is a specialist operation. UK and European heavy recovery cover is available as a fleet add-on and is worth serious consideration for any fleet running long-distance trunking routes.

Trailers are typically covered while they are physically attached to and being towed by an insured tractor unit. The moment a trailer is dropped in a yard, depot or at a customer site, it is usually outside the scope of the fleet motor policy. For operators running a significant trailer fleet, standalone trailer insurance ensures those assets are protected whether attached or not.

Legal costs following HGV incidents, including uninsured loss recovery, personal injury claims and prosecution defence, can be substantial. Motor Legal Expenses Insurance provides a financial buffer against these costs. Worth considering for fleets covering high annual mileages where the statistical likelihood of a dispute arising is meaningful. Subject to policy terms.

A legal requirement for operators who employ drivers, loaders, yard staff or any other employees. Covers injury and illness claims made by your workforce. Entirely separate from your fleet motor policy and required regardless of whether your drivers are employed full-time or on other arrangements.

Covers third-party claims for injury or property damage arising from your business activities outside the vehicles, including loading, unloading and vehicle movements at customer sites. Appropriate limits for a haulage operation are typically higher than for a standard commercial business. Our team can help you explore the right level of cover.

Flexible payment options

HGV fleet premiums are among the largest insurance costs a haulage business carries. We offer three payment structures so the cost can be managed in a way that suits your operation, whether you prefer to settle annually or spread it across the year.

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Pay in full

Pay the full annual premium at inception. The simplest and most cost-efficient approach, with no finance charges and no ongoing payment administration throughout the policy year. Preferred by operators who want to settle the year's insurance in one clean transaction.

Two instalments

Split the premium into two equal payments - one at inception and the second 28 days later. A practical middle ground for operators who prefer to stage a significant premium payment without committing to twelve months of direct debit arrangements.

Monthly direct debit

Monthly instalments through our third-party premium finance provider. For larger haulage fleets where the annual fleet premium is substantial, monthly payment can make the cost more manageable and provide better alignment with the monthly revenue pattern of the business.

Frequently asked questions

Most questions about HGV fleet insurance come down to a handful of practical concerns: drivers, mixed vehicle types, tools and what happens when something changes mid-policy. The most common ones are answered below. Anything not covered here, call 01227 285462.

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Yes. A HGV fleet policy can typically accommodate a range of van types and ages under a single contract. Insurers may apply different excess levels or conditions for older, higher-mileage or high-value vehicles, but mixed fleets are routinely accepted. Your broker will clarify any restrictions that apply.

Any driver cover means that any employee who holds a valid, full UK driving licence and meets the policy age requirements can drive any van in the fleet without needing to be named individually. This is particularly useful for businesses with shift patterns, high staff turnover or multiple vehicles that different drivers use on different days. Specific age floors and other conditions will apply depending on your insurer.

No. Fleet motor insurance covers the vehicles themselves, not their contents. Tools, equipment, materials and stock left in vans require separate cover, typically through a Tools in Transit or Goods in Transit policy. This is a common gap for tradespeople in particular.

Where your vans are kept overnight has a meaningful impact on your premium. Vans kept on a secure, fenced compound at a business premises are viewed more favourably than vans parked on public streets in urban areas. If your parking arrangements change during the policy year, notify your broker so your cover can be updated accordingly.

Young or inexperienced drivers can usually be included, but most insurers apply a minimum age threshold and may apply a higher excess to claims involving those drivers. Some insurers require young drivers to be named rather than covered under any driver terms. It is worth discussing this with your broker before taking out cover if you employ drivers under 25.

Drivers with endorsements, penalty points or convictions can usually still be covered, though the insurer may apply an additional excess for those individuals or require them to be named on the policy. Full disclosure of driving histories is required at inception and renewal.

Cost depends on the size of your fleet, the types of vans involved, where they are garaged, how they are used, your claims history and the profiles of your drivers. High annual mileage, urban overnight parking and a history of claims will all push the premium up. The most accurate way to understand what your fleet will cost to insure is to submit a quote request.