Truck Insurance Quotes UK

  • Multiple quotes available for all commercial trucks 
  • UK and European cover available
  • Pick up Trucks and Pick-up Vans
  • Online Documentation
  • Cover available for carriage and reward
  • Cover available for own goods carriage 

Commercial Truck Insurance - Vans, Trucks to Heavy Wreckers

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. 

To get started select get multiple quotes and complete an easy online form. Remember to provide the correct email and phone contact details so that brokers can provide you quickly with insurance offers. Please note whilst you will mostly receive quotes in under 10 minutes this can be delayed based on time of day and the current number of requests that the brokers are currently dealing with.

  • Tippers : We can provide multiple quotes online for tipper insurance. Compare policy costs with multiple brokers by selecting the the GET Quotes option.  Inclusion of public liability should be considered as an addition to your standard truck insurance policy.
  • Recovery Vehicles: Recovery  vehicle cover 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. 
  • Skip Lorries: Need cover for your skip lorry or fleet of skip lorries? We are able to provide  skip lorry insurance quotes from a panel of UK brokers and underwriters enabling fast and easy of cover options available for owner operators .

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.

Truck Insurance

Protect your Truck today. Compare quotes from multiple brokers.

Other measures to help lower truck cover costs 

  • 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 he/she are seen as extra risk. Before hiring do background checks to keep a lid on your insurance costs. 
  • 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?: If possible limit your truck insurance policy to named driver or drivers. However if your business models requires driver flexibility then any driver insurance may be a better choice. 
  • 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.

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.

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. 

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.

What is included and excluded in a truck's insurance policy will depend on your individual insurance requirements. Have you more than 2 utility vehicles? If the answer is yes a fleet policy would most likely work out cheaper than taking out separate policies.  

It is important to get the correct level of cover, but do not over insure. Check what is included in your policy quote and remove items that you do not need.

Truck Contents Cover

Most trucks courier goods. The goods can very from high tech gadgets to poisonous chemicals to give just 2 examples from a multitude. 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 covered.

  • Minimum Insurance: Third party cover which is the legal minimum, third party fire & theft and fully comprehensive truck insurance are all available.
  • 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.
  • Fleet Insurance: If you operate more than one truck it will most likely be advantageous to you to purchase fleet cover. This type of cover has many advantages of insuring vehicles individually cost and time saved being the top 2. Most brokers will offer fleet cover for  2 or more vehicles of any type, truck and car for example. 

Truck Insurance

Protect your Truck today. Compare quotes from multiple brokers.