Truck Insurance 

Protect your Truck today. Compare quotes from multiple brokers.

  • Multiple quotes available for all commercial trucks
  • Pick up Trucks and Pick-up Vans
  • Cover available for carriage and reward
  • Online documentation
  • UK and European cover available
  • Flexible payment methods

Compare Truck Insurance UK

If you are a truck driver we can help you on your path to finding cheap truck insurance. As a truck driver you are fully aware of the daily risks posed as you go about your business. To legally drive a truck on the UK public highways you will need a minimum of third party cover. Failure to have the legal minimum will leave you open to very hefty fines and criminal conviction.

Truck insurance is available for a full range of vehicles that fall under the umbrella term "commercial utility vehicle". We have listed some of the more common vehicle types below, but this is only a small sample of the vehicle types that we can provide insurance quotes for. 

Typical vehicles covered under truck insurance include:

  • Recovery Vehicles: Recovery truck insurance need not be expensive. We have partnered QuoteSearcher who can provide quotes for your recovery vehicle. Start by selecting Get Quotes and complete one easy form. 
  • HGV: Owner driver of a Heavy goods vehicle and looking for HGV insurance  at a reasonable price? We can help you compare the market by providing multiple quotes from UK brokering agents. How? Simply select the GET Quotes option and complete one simple online form.
  • Pickup: Get pick up truck insurance quotes for your privately owned or business pickup. Cover available for under 25's plus any driver. Full range of options from fully comprehensive to third party only. 
  • Flatbeds - The flatbed is a popular for both couriers and for private use and we can offer a comparative service for flatbed insurance
  • Refrigerated vans and lorries : If you drive an insulated or refrigerated van you can apply for truck insurance to protect your cargo. Most likely you will be couriering goods that need to be kept cool or frozen to local supermarkets , restaurantes and other food outlets.

Truck Insurance

Protect your Truck today. Compare quotes from multiple brokers.

Ways to reduce your truck insurance

Telematics : What is telematics and can it reduce my annual or monthly insurance premiums? Simply put a device is added to your truck and yes it can reduce your insurance costs. The purpose of the device is to record data on how the rig is driven and will include at least the following:

  • Rate of acceleration
  • Average speed and speed peaks
  • Severity of braking
  • Ability to steer smoothly

Truck insurance telemetrics discounts

To some this may seem like big brother watching. However,  it can lead to reduced claims which can then lead to a lower annual truck insurance premium for your trucking business. For example, the data can be used to find out how driving can be improved. This can then be used to provide additional training in the areas identified. If you do introduce telematics do consider adding a competitive factor for example by rewarding the best drivers or make it a team competition.  

If approached correctly adding data gathering devices can lead to improved driving and result in less traffic accidents. Less accidents equates to less time that your work trucks spend off the road. Other advantages also exist in for example showing routes that are congested or hazardous, enabling you to react and make changes in real time. This will lead to an increase in delivery speed whilst reducing the risk of any accidents.

Other measures to help lower your truck insurance premium

  • Driver background check. Drivers that have a history of claims will increase your insurance costs. As they will obviously be seen as an added risk and increase your insurance costs. In addition, drivers under 25 will incur a higher premium based on increased risk of accidents. So whilst the young driver may be one of the better drivers in the eyes of the underwriter they are seen as extra risk.  
  • Reduce admin costs. Simply arranging one annual payment will lead towards less overheads for everyone in the loop. The resulting lower costs can be passed onto you in terms of a lower premium.
  • Fleet insurance? Often overlooked, but if you have more than one vehicle consider fleet insurance.
  • Tighten up on security. Making your vehicles secure and safe should help to bring down the truck insurance premium If possible provide safe secure parking. Add additional safety devices ( insurance industry approved ) such as immobiliser, GPS tracking devices. Taking these steps will help lower your annual or monthly premiums
  • Do you need any driver cover? If possible limit your truck insurance policy to named drivers. However if your business model requires driver flexibility then any driver insurance may be a better choice.

Types of truck insurance available

The purchase of third party cover is a legal requirement. Fully comprehensive insurance is available and provides compensation to not only the third party, but covers your costs even if the accident is deemed to be your fault.

Truck Insurance Cover for Haulage or Courier goods

Most trucks courier goods. The goods can vary from high tech gadgets to poisonous chemicals to give just two examples from a multitude of goods on the move. If the goods are valuable you will face an increased risk of theft. Cover for contents will provide protection, but check any caps that are in place.    

Getting suitable cover can sometimes be tricky, for example some brokers will have a list of items that they exclude from cover. Another broker will only offer cover whilst in transit and not stationary in a parking bay. Discuss your requirements with your broker and follow the advice. If you take on a new contract hauling different cargo, notify your broker in advance to ensure that the new cargo is covered.

Optional extras

  • Legal Fees: Should an action be taken against you that you wish to counter in the court large legal fees may prohibit you defending your business. As a result it is common for many truck businesses to include legal fees within their insurance policy. 
  • Public Liability: This cover will protect you and your business against claims from a third party that has been injured  or property damages by your own negligence.

Tailored truck insurance quotes

Quotes can easily be tailored to the owner operators individual needs, providing the necessary cover to ensure you are not at financial risk as a result of an operating accident. Having your trucking business covered with adequate protection can let you get on with running your business without concerns for possible future claims against you or one of your drivers.

The truck insurance policy can also be tailored to cover goods in transit, personal liability and loss of earnings. Depending on the type of business, you may also wish to cover tools, machinery, cargo and goods transported or held in storage. 

Truck Insurance

Protect your Truck today. Compare quotes from multiple brokers.