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  • All commercial trucks from lorries to tankers
  • Cover available 7.5 - 44 Tonnes
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HGV Insurance Advice for New Operators

Are you after private owner driver HGV insurance? If so, chances are that you have already acquired your operator’s license. You must have a valid ops license to qualify to drive a Heavy Goods Vehicle on the UK road network.

Operating a HGV business without adequate level of protection  can be costly. You can never be sure that everything will go as planned whilst on the road. For example, no matter how good your drivers are, they can get involved in accidents due to the mistakes of other road users.  It is in your best interest to take out adequate HGV cover to protect the future of your business. Some great advice on staying awake at the wheel of an articulated truck can be found courtesy of the UK government website here.

The Benefits of Getting HGV Insurance Online

Some Reasons and Benefits by booking Business or Owner Driver HGV insurance online

  • Fast and Easy -  You will receive quotes in minutes and when you decide on a particular broker for your HGV insurance you can easily book online and receive all necessary documentation. A selection of payment methods are available including direct debit and credit card.
  • Multiple Quotes The internet lends itself to speeding up the decision making  process by enabling you to compare multiple insurance brokers simply complete one online inquiry form  
  • When you purchase HGV truck insurance using a specialist web site you will be dealing with an expert that can recommend the insurance the best fits with your business or private needs. 
  • Build a bespoke Quote - The specialist broker is able to tailor the quote with any extra cover for example break down cover that suits your individual requirements
  • Claims Process With the underwriters being experts with years of experience providing insurance for recovery trucks you can be reassured that the claims process has been tuned to be quick and easy. 

The best HGV insurance to purchase will depend on the specific needs of your company. For a full a simplified guide to lorry types and weights visit the uk gov website.  Consider the following questions to understand what type of cover would be most suitable for you and your business:

HGV Truck Insurance
  • Can you increase the excess amount to reduce the premium?
  • What is the age and condition of your Heavy Good Vehicles
  • Will you also need cover for goods in transit?
  • Would you like extras such as public liability and legal expense cover added to your HGV insurance policy?

Comparing truck insurance underwriters policies in one place online is easy, simply select FAST quote and complete a 2 minute form which will be automatically distributed to a panel of 100 and grower specialist brokers who in turn will provide you with an individual quote for your heavy goods vehicle.  

There are a number of companies that offer HGV insurance in the UK.  As such it should not be difficult to find a good underwriter to provide a good level of comprehensive cover. However, before selecting a company to cover your heavy good vehicle, do some research to confirm its reputation within the trucker fraternity by checking a few online forums. The insurance industry can be complicated to navigate especially when filing claims. Find out how efficient the underwriter is in the processing claims.


Driver CPC: the basics

Driver CPC stands for 'Certificate of Professional Competence'. This is to ensure that bus, coach and lorry drivers are continually kept abreast UK safety on and off the road and carries on throughout your driving career.

Highways Agency warns tailgaters that 'only a fool breaks the 2-second rule'

Compare Insurance Quotes from over 20 UK suppliers in minutes

If you run a haulage company you will find the most UK brokers will offer cover HGV Insurance customised  to meet with your self drive or business coverage requirements. The cover will be based on a number of  things such as the number of HGVs you have, experience of your drivers, value and age of the vehicles and type of cargo you handle plus many more.

Check the HGV cover to ensure it meets the needs of your business. Also, find out whether the  company offers add-on packages that may fit your bill. For instance, does the company offer insurance for goods on transit? What about cover when the vehicle is in Europe? Is breakdown cover something you would like? These extras may make sense for your company depending on the work you do.

You should also compare how much you will pay for the heavy goods insurance. Generally, you can bargain the cost of your premiums if you pay in advance. Some companies will also reduce your rate if you increase the amount of deductible that you or your firm will be responsible for in the event of an accident.

Do not be afraid to negotiate the rate with the broker. Moreover, do not forget to compare quotes from different companies. Make sure you will be getting value for your money by checking the extent of cover provided and other perks that may come with the policy that you are interested in.

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EU Drivers Hours Rules
EU Drivers Hours Rules apply to all drivers of large goods vehicles (LGVs) over 3.5 tonnes. The EU Drivers Hours Rules are used to set limits for daily, weekly and nightly driving. They also specify minimum break times for drivers during a working day, along with daily and weekly rest periods.
Walk Around Check for Recovery Vehicles
To ensure your vehicle remains legal it is best practice to perform a walk around check before each trip. This is even more applicable in bad weather or when the vehicle you drive may change based on shift patterns should you be working for a large recovery company with a fleet of recovery pickups. For a complete comprehensive guide with advise and tips please refer to this government complied document for drivers of recovery trucks.
Truck driving safety tips
Truck drivers have a challenging job which exposes them to multiple risks. They often put in extended work hours and have to handle the heavy vehicles in different climatic conditions. Safety measures should therefore be a top priority for all truck drivers.
5 tips To Guard your Cargo
Have you stopped to consider how much money is being lost by your company on lost cargo or freight? Just one trailer load can amount to thousands of pounds. It is your responsibility to keep the cargo safe whilst you are in charge of the consignment.
Leaving Space is no 1 Driving tip
Number 1 tip is always keep your distance the more equates to lower chance of collision, think of driving on deserted highway. The most common form of collision is the rear collision, someone driving too close or not paying attention to the truck or car in front and slams into your rear. However you do have some control , if for example this happens and you do need to stop or slow down , do it gradually so that the driver behind can stop in time .