A 7.5-tonne truck is a popular choice for people starting a haulage business. It’s big enough to carry lots of goods but still easy to manage. If you choose a curtain-sided version, you can load and unload quickly while keeping your goods safe.
Who Needs This Insurance?
If you own a 7.5-tonne lorry, you must have insurance to cover risks while driving and transporting goods. You’ll need this insurance if you are:
- A business owner using a lorry for deliveries.
- A haulage company with a fleet of lorries.
- A private owner using a lorry for personal transport.
Do You Need a Special Licence?
In the past, you could drive a 7.5-tonne lorry with a standard car licence, but not anymore. You now need to pass a special driving test and get a Driver Certificate of Professional Competence (CPC) to drive one legally. This ensures you’re trained for road safety.
How to Find the Best Lorry Insurance
To get good insurance at a fair price, you should compare different options. Insurance companies look at several factors when deciding your premium, including:
- How you use your lorry – Is it for business or personal use?
- Your driving experience – More years of safe driving can mean lower costs.
- Security features – Alarms, trackers, and secure parking can reduce premiums.
- Fleet insurance options – If you own multiple lorries, a fleet policy may be cheaper.
- Your driving record – A clean record means lower premiums.
Tip: If it’s your first time insuring a lorry, keeping a no-claims record can help lower future costs.
Types of 7.5 Tonne Lorry Insurance
Different insurance policies cover different risks. Here are your main options:
- Third-Party Only (TPO) – Covers damage to others but not your own lorry.
- Third-Party, Fire & Theft (TPFT) – Also covers fire damage and theft.
- Comprehensive – Covers damage to your lorry as well as others.
- Goods in Transit Insurance – Protects the cargo you carry.
- Public Liability Insurance – Covers costs if your business is sued.
If you’re new to the haulage business, it’s smart to plan for unexpected problems, like breakdowns or legal issues.
Extra Cover for More Protection
Basic insurance only covers accidents and theft. But you might want to add extras such as:
- Breakdown Cover – Helps you get back on the road if your lorry breaks down.
- Goods in Transit Cover – Protects the items you transport.
- Public Liability Cover – Covers costs if you cause damage or injury.
- Accident & Sickness Cover – Pays out if you can’t work due to injury or illness.
- Legal Expenses Cover – Helps with legal costs if there’s a dispute.
- Windscreen Cover – Pays for windscreen repairs or replacements.
Drive Safely & Cut Costs
Top Tip: Keep your distance!
Tailgating is a major cause of accidents. The Highways Agency advises: “Only a fool breaks the 2-second rule.” Keeping a safe distance lowers accident risks and could also reduce insurance costs.
Read More: Highways Agency Tailgating Advice
Stay Compliant with the Driver CPC
A Driver Certificate of Professional Competence (CPC) is required for all lorry drivers. It ensures you understand road safety and regulations.
Ways to Lower Your Insurance Costs
Want to pay less for your 7.5 Tonne Lorry Insurance? Here are some tips:
Improve Your Lorry’s Security
Insurance companies lower prices for safer lorries. Consider adding:
- Alarms & Immobilisers – Deters thieves.
- GPS Trackers – Helps locate stolen vehicles.
- Secure Parking – Reduces risk overnight.
- Reversing Alarms – Helps avoid accidents in tight spaces.
Choose a Higher Excess
Paying a higher voluntary excess (the amount you contribute in a claim) can reduce your monthly premium. Just make sure it’s affordable.
Build a No-Claims Discount
The longer you drive without making a claim, the lower your premium could be.
Pick the Right Policy
If you only use your lorry occasionally, consider a pay-as-you-go insurance policy instead of a full annual plan.
Get a Quote in Minutes
With so many UK providers offering policies, you can easily compare quotes to find the best deal. Whether for private or business use, the right insurance ensures your lorry, cargo, and finances are protected.
Tip: The longer you go without making a claim, the cheaper your insurance renewal could be.
FAQs
Can I drive a 7.5-tonne lorry with a car licence?
No, you need an HGV licence and a Driver CPC qualification.
Does insurance include breakdown cover?
Not always. You may need to add it as an extra.
How can I reduce my lorry insurance?
Improve security, drive safely, and compare quotes from different insurers.
Do I need Goods in Transit insurance?
Yes, if you transport goods, this protects against damage or loss.
Is fleet insurance cheaper than individual policies?
If you own multiple lorries, a fleet policy is usually more affordable.
Whether you’re new to haulage or an experienced lorry owner, having the right 7.5 Tonne Lorry Insurance is essential. A good policy keeps you covered, so you can keep moving without financial worries.