HGV Insurance

What Is Truck Insurance And What Does It Cover?

A Truck or Haulage insurance policy can cover businesses or individuals that use HGVs, LVGs or any other type of truck, providing specialist cover for
refrigerated vehicles, goods-in-transit, warehousing and goods in storage, deterioration of stock and hazardous goods too. Whether you have a single
vehicle or a whole fleet of them, there’s a policy for you.

The haulage industry covers a wide range of transportation types, from refrigerated transport, to vehicle transporters, to the transportation of fuel and hazardous chemicals, and with so many different potential uses and associated risks there are a number of elements that make up a truck insurance policy.

What will you be carrying – is the stock valuable, perishable, hazardous or even alive? Who will be driving the lorry – you can have an Any Driver policy which is perfect if you have a number of drivers, or you can have a Named Driver policy where only those named on the policy can legally drive it (ideal for a company with a limited number of drivers).

There are three levels of cover to choose from which are Third Party Only, Third Party, Fire & Theft and Fully Comprehensive. Third Party only is the most basic form and will only cover damage to third party vehicles or property, however this is the cheapest too. Third Party, Fire & Theft will still cover all third parties but gives you cover against your vehicles being damaged by fire or stolen. Comprehensive is the most expensive of the three but also gives the highest level of cover. It will cover all of the above and will also cover your own vehicle(s) against any own damage.

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