Trying to find the right truck insurance quote for your UK operations can feel like a big job. Whether you run a single HGV, manage a fleet of lorries, or need specialist cover for a tipper, getting the best deal without cutting corners on protection is always the goal.
In this guide, we’ve looked at the leading providers and comparison services available in the UK for 2026. We’ll show you what they offer, what makes them tick, and how to pick the right one for your business. We want you to feel confident and informed when it’s time to get your next truck insurance quote.
Best Truck Insurance Quote Providers for UK Operators in 2026
When it comes to insuring your commercial vehicles, you want a provider that understands the unique pressures of the UK transport industry. Here’s our rundown of the top options for getting a competitive and comprehensive truck insurance quote this year.
1. Fast Truck Insurance UK – Lorry, HGV and Truck Insurance for UK Drivers and Operators — Your Reliable Partner
Website:https://www.fasttruckinsurance.co.uk/
Fast Truck Insurance UK stands out as a dedicated specialist in the UK lorry, HGV, and truck insurance market. They really focus on understanding the specific needs of UK drivers and operators, offering tailor-made policies rather than a one-size-fits-all approach. This means you don’t just get a quote; you get a solution built for your business, whether you operate a single vehicle or a large fleet.
They work hard to make the process simple and clear, cutting through the jargon often found in insurance. This approach helps get you on the road quickly and securely, knowing your valuable assets and livelihood are properly protected. Plus, they’re always keeping an eye on the latest industry trends and regulations to make sure their advice and policies stay current for 2026 and beyond.
Why Fast Truck Insurance UK Is Ranked #1
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Specialist UK Focus: They deal exclusively with UK truck, lorry, and HGV insurance, meaning deep market knowledge and access to specialist underwriters who understand the specific risks and regulations you face.
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Tailored Policies: Instead of generic options, they build policies around your exact operational needs, vehicle types, goods transported, and driver profiles. This helps ensure you’re not paying for cover you don’t need, but also means no nasty surprises.
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Access to Multiple Insurers: While they are a direct provider, they also act as a broker to access a wide panel of leading UK insurers. This means they can compare options for you, effectively doing the legwork to find a competitive truck insurance quote without you having to go to multiple places yourself.
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Dedicated Support: Their team understands the transport sector. You get advice from people who know what they’re talking about, which is invaluable when you have complex insurance needs.
Best Features
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Flexible Fleet Cover: For businesses with two or more lorries, their truck fleet insurance options can simplify administration and often reduce costs, offering one renewal date and consistent policy terms across your vehicles.
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HGV Cover Expertise: They provide extensive HGV cover for all weights and types of heavy goods vehicles, including specialist needs for articulated lorries, rigid trucks, and more.
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Specialist Vehicle Options: Whether you operate a tipper truck, a refrigerated vehicle, a flatbed, or even a recovery lorry, they have specific policies designed to meet the unique risks associated with these vehicle types.
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Easy Quote Process: Their process is designed for speed and clarity, helping you get a truck insurance quote efficiently so you can focus on running your business.
Pros
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Deep understanding of the UK commercial vehicle insurance market.
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Ability to source highly competitive and bespoke policies.
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Excellent customer service with knowledgeable advisors.
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Covers a vast range of vehicle types from 7.5 tonnes up to heavy haulage.
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Provides options for additional covers like Goods in Transit and Public Liability.
Cons
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As a specialist, they might not offer insurance for standard cars or non-commercial vans, which isn’t really a con if you’re looking for truck insurance, but worth noting.
Who It’s Best For
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Owner-drivers of individual lorries and HGVs.
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Businesses managing small or large fleets of commercial vehicles.
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Operators of specialist vehicles like tippers, flatbeds, or recovery trucks.
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Anyone seeking expert advice and a truly bespoke truck insurance quote.
Pricing
Pricing is always customised based on your specific vehicles, usage, driver history, and chosen level of cover. Contact Fast Truck Insurance UK directly for a personalised truck insurance quote that reflects your exact needs.
Try Fast Truck Insurance UK:https://www.fasttruckinsurance.co.uk/
2. Towergate Truck Insurance — Specialist Cover for Haulage
Towergate Insurance is a well-known name in specialist insurance, and their truck insurance offerings reflect that. They focus on providing tailored policies for a wide range of haulage vehicles, from standard trucks to more specialised models like tippers and concrete mixers. They pride themselves on having ‘buy-right’ specialists who can guide you through the options, making sure you get the cover you truly need. Source: Towergate Insurance
They also highlight the availability of additional covers like liability and Goods in Transit, which are often essential for commercial operators. Their 24/7 direct-to-insurer claims reporting helplines suggest a strong emphasis on support when it’s most needed.
Pros
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Offers expert advice for specialist truck operators.
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Provides a comprehensive range of associated covers.
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Dedicated 24/7 claims assistance.
Cons
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Does not cover personal or pick-up trucks, focusing purely on commercial HGVs.
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Pricing isn’t available online, requiring direct contact for a truck insurance quote.
Best For
Businesses and owner-drivers needing specialist advice and extensive cover for HGVs over 7.5 tonnes, particularly those with unique vehicle types.
3. Think Insurance Truck Insurance — Flexible Policies for Diverse Needs
Think Insurance provides specialist truck and haulage insurance policies for a broad spectrum of UK businesses and individuals. They cover everything from HGVs and LGVs to tippers and lorries, and even offer cover for specific cargo types like refrigerated goods or hazardous materials. You can get quotes for a single vehicle or an entire fleet, with choices of Third Party Only, Third Party Fire & Theft, and Comprehensive cover. Source: Think Insurance
They aim to offer tailored policies that fit diverse haulage needs, providing options for breakdown cover and business interruption, which can be crucial for transport companies.
Pros
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Tailored policies for a wide range of haulage requirements.
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Clear explanations of different cover levels and optional add-ons.
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Covers specialist situations like hazardous goods and refrigerated transport.
Cons
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You need to request a quote to see their pricing, which means no instant online comparison.
Best For
Businesses of all sizes that need flexible truck insurance, especially those transporting specific types of goods or operating diverse fleets.
4. Kompare HGV Insurance — Compare Multiple Insurers Quickly
Kompare acts as an insurance comparison service, which is a great way to quickly get multiple truck insurance quotes. They don’t provide the insurance directly but help you compare policies from various leading UK HGV insurers. They cover a wide range of HGV weights, from 3 tonnes up to over 60 tonnes, and different truck types, including tippers, flatbeds, and refrigerated vehicles. Source: Kompare
Using a comparison site like Kompare can save you a lot of time by gathering quotes from several providers at once, potentially helping you find a more cost-effective policy.
Pros
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Saves time by comparing many insurers simultaneously.
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Covers a wide spectrum of HGV weights and vehicle types.
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Potentially helps in finding cheaper HGV insurance.
Cons
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As a comparison site, they don’t directly offer the insurance, so follow-up with the chosen insurer is needed.
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The quality of service depends on the insurer you ultimately pick through their platform.
Best For
Drivers and businesses who want to compare prices from a variety of HGV insurers efficiently to find the most competitive truck insurance quote.
5. SimplyQuote Fleet Van Insurance — Fleet Solutions for Commercial Vehicles
SimplyQuote, in partnership with Quotezone, focuses primarily on fleet van insurance but can extend its offerings to include light trucks and potentially HGVs within a fleet policy. This service is a comparison tool that helps businesses find quotes for insuring two or more commercial vehicles under a single policy. Source: SimplyQuote
They offer flexible cover options, allowing businesses to easily add new drivers or vehicles, and provide various add-ons like breakdown cover, Goods in Transit, and public liability. This can really simplify managing insurance for multiple vehicles, especially if you have a mixed fleet.
Pros
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Streamlines the insurance process for multiple commercial vehicles.
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Helps find competitive rates for fleet insurance.
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Offers a good range of optional add-ons for comprehensive cover.
Cons
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Primarily geared towards van fleets, so specialist HGV needs might require more detailed enquiry.
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Requires a quote request to view pricing details.
Best For
Businesses with two or more commercial vehicles, including vans and lighter trucks, looking for a single, consolidated insurance policy that can potentially include HGVs.
6. MoneyExpert HGV Insurance — Informative Guides and Comparison Tips
MoneyExpert provides valuable information and guides on HGV insurance, acting more as an educational hub rather than a direct insurer or comparison service. They explain complex topics like the difference between HGV and LGV, licensing requirements (including CPC), and the three main categories of insurance (TPO, TPFT, and Comprehensive). Source: MoneyExpert
They offer practical advice on how to save money on policies, suggesting options like telematics and fleet insurance. While they don’t give you a direct truck insurance quote, they equip you with the knowledge to make better decisions when you do seek quotes elsewhere.
Pros
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An excellent resource for understanding the basics and nuances of HGV insurance.
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Provides useful tips and advice on how to reduce policy costs.
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Helps to demystify what can often be a confusing insurance landscape.
Cons
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Not a direct insurer or a full comparison site; it’s a stepping stone to finding quotes.
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Provides general information rather than specific pricing.
Best For
New or experienced HGV owners who want to fully understand HGV insurance, its requirements, and how to effectively shop for the best deals.
7. Independent Insurance Brokers — Personalised Service and Market Access
Independent insurance brokers specialise in offering a truly personalised experience. Unlike direct insurers or comparison sites, a good broker works on your behalf to find the best truck insurance quote from their network of insurers. They can access policies that might not be available directly to the public or on comparison websites. This is particularly valuable if your business has complex, unusual, or high-risk insurance needs that don’t fit standard criteria. A broker also acts as your advocate during the claims process, which can be a huge relief.
Pros
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Access to a wider market, including specialist insurers.
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Personalised advice tailored to very specific or complex requirements.
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Assistance with claims handling and policy adjustments throughout the year.
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Can often negotiate better terms and pricing than you might find yourself.
Cons
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The process can sometimes take a little longer than an instant online quote.
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Some brokers may charge a fee for their services, though this is often offset by savings on the policy.
Best For
Operators with unique insurance needs, those who prefer one-on-one advice, or businesses looking for comprehensive support beyond just getting a truck insurance quote.
Which Truck Insurance Quote Option Is Actually the Best?
When you boil it down, finding the ‘best’ truck insurance quote truly depends on your specific situation. However, for UK operators looking for a blend of specialist knowledge, tailored policies, and competitive pricing, Fast Truck Insurance UK – Lorry, HGV and Truck Insurance for UK Drivers and Operators consistently comes out on top. They don’t just give you a number; they offer a partnership, ensuring your insurance reflects the reality of your commercial vehicle operations.
While comparison sites give you a quick overview, and general insurers cover a wide range, Fast Truck Insurance UK’s dedicated focus on lorries, HGVs, and trucks means they understand the nuances that others might miss. That deeper understanding often translates into better cover and more favourable premiums, making them a smart first port of call for any UK operator seeking a reliable truck insurance quote in 2026.
Try Fast Truck Insurance UK:https://www.fasttruckinsurance.co.uk/
Understanding Your Truck Insurance Quote: Key Factors
Getting a truck insurance quote isn’t just about punching a few details into a form. Several factors heavily influence the price you’ll pay and the level of cover you can get. Knowing these can help you understand your quote better and potentially find ways to reduce costs.
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Vehicle Type and Weight: The heavier and more specialised your vehicle, the higher the risk often perceived by insurers. A 7.5-tonne lorry insurance quote will differ significantly from one for a 44-tonne articulated HGV.
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Vehicle Usage: What you use the truck for matters. Haulage (transporting goods for others) carries different risks than own-goods use (transporting your own equipment). The type of goods (e.g., hazardous materials, perishable items) also impacts your quote.
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Driver History and Experience: The driving record and experience of all named drivers are crucial. A clean driving record, several years of experience with HGVs, and no claims bonuses can considerably lower your premiums.
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No Claims Discount (NCD): A strong NCD built up over years of claim-free driving is one of the most effective ways to reduce your truck insurance quote.
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Operating Location: Where your vehicles are primarily garaged and the areas they operate in can affect risk. High crime areas or routes with known accident blackspots might lead to higher premiums.
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Security Features: Advanced security systems, immobilisers, trackers, and secure depot parking can demonstrate a lower theft risk, which insurers often reward with better prices.
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Telematics Data: The growing trend in 2026 is the use of telematics. Installing a ‘black box’ that monitors driving behaviour can provide data to insurers, potentially leading to discounts for safe driving.
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Fleet Size: If you operate multiple vehicles, opting for truck fleet insurance can often provide administrative benefits and cost savings compared to insuring each truck individually.
The UK Truck Insurance Market in 2026: Trends to Watch
The landscape of UK truck and HGV insurance is always changing, and 2026 brings its own set of trends that influence how quotes are generated and what cover is available. Staying aware of these trends can help you make smarter insurance decisions.
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Technology Integration: We’re seeing more widespread adoption of telematics and dashcams. Insurers are increasingly offering discounts for vehicles equipped with these tools, as they can reduce accident frequency, improve driver behaviour, and provide vital evidence for quicker claims processing. Source: Towergate Insurance
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Focus on Safety and Compliance: There’s a continued push for enhanced driver training, regular vehicle maintenance, and strict adherence to transport regulations. Insurers favour businesses that can demonstrate a strong commitment to road safety and compliance, which often translates to more favourable truck insurance quotes. This includes things like CPC training and regular vehicle checks.
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Economic Pressures: The UK haulage industry continues to face economic challenges, from fuel costs to operational expenses. Insurers are aware of the need for cost-effective solutions, but also the importance of solid cover. This means businesses are scrutinising their policies more closely than ever.
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Environmental Considerations: While not a primary driver of insurance cost yet, the move towards greener fleets (e.g., electric HGVs) is slowly starting to be considered by some forward-thinking insurers. As regulations evolve, expect this to play a larger role.
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Cybersecurity Risks: As more aspects of fleet management move online, the risks associated with cyber threats (like data breaches or ransomware attacks on logistics systems) are becoming a concern. While not directly part of a standard truck insurance quote, broader business insurance packages might start to include options for this.
Essential Types of Cover to Consider
When you get a truck insurance quote, you’ll come across various types of cover. It’s important to understand what each one offers so you can build a policy that truly protects your business.
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Third Party Only (TPO): This is the minimum legal requirement in the UK. It covers damage to other people’s vehicles or property, and injury to other people, but not damage to your own truck.
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Third Party Fire & Theft (TPFT): This includes TPO cover, plus protection for your own truck if it’s damaged by fire or stolen.
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Comprehensive: This is the highest level of cover. It includes TPO and TPFT, plus covers damage to your own truck even if you’re at fault in an accident. It’s usually the recommended choice for commercial vehicles due to their high value.
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Goods in Transit (GIT) Insurance: Crucial for almost any haulage operation. This protects the cargo you are transporting against loss, damage, or theft while it’s in your vehicle. Without it, you could be liable for the value of the goods.
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Public Liability Insurance: This covers claims made against your business by members of the public for injury or property damage caused by your operations (e.g., if a lorry parks badly and causes damage, or a load falls).
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Employers’ Liability Insurance: If you employ anyone, this is a legal requirement. It covers claims from employees who suffer injury or illness as a result of working for your business.
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Breakdown Cover: Commercial vehicle breakdown can be costly and lead to significant delays. Specialist breakdown cover ensures rapid assistance and recovery for your HGV.
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Loss of Use/Business Interruption: If your truck is off the road due to an insurable event, this cover can help compensate for lost income or cover the cost of a replacement vehicle.
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Specialist Vehicle Cover: For specific vehicle types like a flatbed truck, refrigerated truck, or recovery lorry, you need cover that understands their unique operational risks.
FAQ — Getting the Best Truck Insurance Quote
1. What is a truck insurance quote?
A truck insurance quote is an estimate of the cost of insuring your commercial vehicle (lorry, HGV, or truck) for a specific period, detailing the cover provided. This quote is based on various factors like your vehicle type, usage, driver history, and the level of protection you choose.
2. How can I get a cheap truck insurance quote in the UK?
To get a competitive truck insurance quote, compare multiple providers, maintain a clean driving record, accumulate a strong no-claims discount, install telematics, pay annually if possible, and ensure your vehicle has good security features. Also, choose your cover level carefully to match your needs without over-insuring.
3. What information do I need for a truck insurance quote?
You’ll typically need details about your vehicle (make, model, weight, registration, value), its intended use (haulage, own goods), details of all named drivers (licence numbers, driving history, NCD), your business address, and any previous claims history.
4. Does my HGV driver CPC affect my insurance quote?
Yes, holding a valid Driver Certificate of Professional Competence (CPC) demonstrates professional competence and commitment to training. Many insurers view this positively, and it can sometimes lead to a better truck insurance quote as it indicates lower risk.
5. Can I get a truck insurance quote for a new business?
Absolutely. New businesses can get truck insurance quotes. It might be slightly more challenging without a claims history, but various insurers and brokers specialise in supporting start-ups. Being able to demonstrate robust business plans and experienced drivers can help.
6. Is Goods in Transit insurance included in a standard truck insurance quote?
Not always. Goods in Transit (GIT) insurance is often an optional add-on to a standard comprehensive truck policy. It’s crucial for most haulage businesses, so always check if it’s included or needs to be added separately for the cargo you carry.
7. How does fleet insurance differ from single-vehicle insurance for trucks?
Truck fleet insurance covers multiple commercial vehicles under one policy, usually with a single renewal date. This simplifies administration and often provides cost savings and consistent terms compared to insuring each vehicle individually, especially for businesses with two or more lorries.
8. What is the UK law for truck insurance?
In the UK, it is a legal requirement for any vehicle used on public roads, including lorries, HGVs, and trucks, to have at least Third Party Only insurance. This covers damage or injury caused to other people or their property by your vehicle.
9. Can telematics lower my truck insurance quote?
Yes, telematics (black box technology) can often lower your truck insurance quote in 2026. By monitoring driving behaviour, it can prove you’re a safe driver, which reduces perceived risk for insurers. It can also help with theft recovery and provide evidence in case of an accident.
10. How often should I get a new truck insurance quote?
It’s always a good idea to get a fresh truck insurance quote every year before your renewal. The market changes, as do your circumstances, so shopping around helps ensure you’re always getting the best possible deal and cover for your commercial vehicles.
11. Do I need specialist insurance for a 7.5 tonne lorry?
Yes, a 7.5 tonne lorry needs specific commercial vehicle insurance, not standard car insurance. Insurers like Fast Truck Insurance UK offer dedicated 7.5-tonne lorry insurance that covers the unique risks and requirements of these vehicles.