HGV Fleet Insurance

Compare HGV Fleet Insurance Quotes

  • Complete one short form
  • Quickly compare quotes
  • Find a great deal today
Get Quotes

Compare HGV fleet insurance policies from leading insurers, including;

  • more-than-logo
  • endsleigh-logo
  • rac-logo
  • axa-logo
  • ageas-logo
  • admiral-logo
  • swinton-logo

Why Compare Cheap HGV Fleet Insurance Quotes With SimplyQuote?

We understand driving heavy goods vehicles, trucks and lorries can be stressful – and dangerous.

But finding HGV fleet insurance quotes doesn’t have to be!

SimplyQuote has streamlined the entire comparison process just for you. With the click of a button, you can access multiple truck fleet insurance quotes from top UK insurers in minutes.

Find a cheaper truck insurance policy aligned with your specific needs and budget today. Compare HGV fleet insurance quotes the easy way with SimplyQuote.


What Do You Need To Get A HGV Fleet Quote?

We’ll need a few basic details from you before we can provide you with a HGV fleet insurance quote:

  • Personal details
  • Business details (as well as the nature of your business)
  • Vehicle details
  • Driver details – including a valid Driver Certificate of Professional Competence (CPC)
  • UK location
  • Average mileage
    • Note: Drivers must be at least 25 years old.

Why Do You Need HGV Fleet Insurance?

How Does HGV Fleet Insurance Work?

Looking for the cheapest HGV Fleet Insurance? Get your quote today!

Get Quotes

What Does HGV Fleet Insurance Cover?

What Levels Of HGV Fleet Insurance Can You Get?

HGV fleet operators can choose between three levels of insurance cover. Third-party only (TPO) is the bare minimum you can opt for and ensures you and your business are protected against third-party claims.

Let’s take a closer look:

Third-party only (TPO)

TPO is as mentioned this is the lowest level of cover available and is legally required to drive on UK roads. It covers others (i.e. third-party persons and their property/vehicles) in the event of damage or injury. It won’t cover any costs you or your business incur.

Third-party, fire and theft (TPFT)

Third-party fire and theft includes TPO while promising to pay out if your vehicle is damaged by fire or stolen.

Fully comprehensive

Fully comp is the highest level of cover you can get for HGV vehicles. It boasts everything TPO and TPFT have while also insuring your vehicle in the event of an accident, even if you’re at fault. Some insurers may include windscreen and breakdown cover within these policies.

Note: Some insurance providers may only offer fully comprehensive cover as a standard; which means TPO and TPFT are unavailable. Confirm these details with your chosen insurer.

What Are The Types Of HGV Fleet Insurance?

Looking for the cheapest HGV Fleet Insurance? Get your quote today!

Get Quotes

What Add-Ons Are Available For HGV Fleet Insurance? 

How Much Does HGV Fleet Insurance Cost?

Get Quotes

How To Reduce HGV Fleet Insurance Premiums

There are many ways to get cheaper fleet truck insurance, such as:

Compare quotes

Don’t settle for one HGV fleet insurance quote. Compare numerous quotes from multiple insurance brokers to find the best one suited to you and your business needs.

SimplyQuote’s free online comparison tool finds you the best fleet truck insurance policies in a snap!

Install telematics

Opt for “black box” telematics technology so insurers can monitor and track how your truck drivers drive. The better they drive, the lower your premiums will be!

Opt for annual payments

If possible, paying your insurance premiums upfront for the year eliminates the interest that piles onto monthly instalments.

Build up your no-claims bonus

Drivers with no-claims bonuses are attractive candidates to insurers as they are considered low-risk – and result in lower premiums.

Increase voluntary excess

A higher excess amount suggests you will only make a bigger claim and is therefore more attractive to insurance providers.

Hire an experienced team

Experienced drivers (over 25) are less likely to be in an accident as they have more experience on the road. Insurance providers are reluctant to hire young drivers as they are seen as “higher risk”.

Secure your vehicles

Keep heavy goods vehicles, trucks and lorries in a secure location when not in use. This includes private driveways or locked garages. Alarms, immobilisers and tracking devices are also good to install to reduce the risk of burglary, theft and vandalism.

Keep services up to date

Regularly service fleet vehicles – at least once a year – to minimise general wear and tear and potential breakdowns.

Keep mileage low

Lower mileage means you spend less time on the road and have less chance of being involved in an accident.

Only pay for extras you need

Only pay for add-ons you need. For instance, you won’t need EU cover if you don’t transport goods across the UK border.

How To Compare HGV Fleet Insurance Quotes With SimplyQuote

Get Quotes

Frequently Asked Questions

What is HGV fleet insurance?

HGV fleet insurance (also called fleet truck insurance) is a type of commercial vehicle insurance specifically geared toward heavy-duty vehicles used for hire and reward purposes. These vehicles are large and bulky and weigh over 3.5 tonnes (e.g. lorries, tipper trucks).

Fleet truck insurance bundles all these vehicles under one policy with one renewable date.

How many vehicles can I insure under one truck fleet insurance policy?

This depends on your chosen insurance provider. Some may have a maximum limit of 50, while others may include up to 500 HGVs under one policy.

What’s the best level of HGV fleet cover for my business?

A fully comprehensive cover is the best level of cover to choose for your HGV fleets.

What’s the difference between LGVs and HGVs?
  • Light goods vehicles (LGVs), like vans and pick-up trucks, are smaller vehicles with a maximum weight of 3.5 tonnes.
  • Heavy goods vehicles (HGVs) are big, bulky lorries (over 3.5 tonnes) commonly used for commercial purposes.

Occasionally, “LGV” stands for “large goods vehicles” which is the same as a HGV.

Is employers’ liability insurance mandatory in the UK?

If you employ more than one employee, then yes, employer liability insurance is compulsory.