HGV Fleet Insurance
HGV Fleet Insurance Quotes
Cover multiple HGVs under one fleet insurance policy.
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What Is HGV Fleet Insurance?
HGV fleet insurance covers two or more heavy goods vehicles under one commercial motor policy with a single renewal date and combined premium.
Heavy goods vehicles are trucks, lorries, and rigid or articulated vehicles weighing over 3.5 tonnes. A fleet insurance policy designed for HGVs bundles every vehicle's cover into one document, so you deal with one insurer and one payment schedule.
HGV fleet cover is also called truck fleet insurance or haulage fleet insurance depending on how the vehicles are used. Our guide on what fleet insurance is explains the basics in more detail.
How To Compare HGV Fleet Insurance Quotes
Comparing HGV fleet quotes takes a few minutes when you have each vehicle's registration details and every driver's licence information to hand.
Gather your fleet details
List every HGV you want to cover, including the registration number, gross vehicle weight, body type, and whether it tows a trailer. Include any lighter commercial vehicles such as fleet vans that operate alongside the trucks.
Add your driver information
Provide each driver's name, date of birth, licence category, Driver CPC status, and claims history. Insurers price individual drivers, so accurate details keep the quote realistic.
Choose your cover level
Select third-party only, third-party fire and theft, or comprehensive for each vehicle. You can set a different level per truck, so a newer vehicle might sit on comprehensive while an older rigid runs on third-party fire and theft.
Compare and buy
Review quotes side by side, check the excess on each vehicle, and confirm that add-ons such as goods in transit and breakdown cover are included where you need them. Buy online and your whole fleet moves to one renewal date.
What Does HGV Fleet Insurance Cover?
An HGV fleet policy combines motor cover for every vehicle with liability protection for your business, and most policies let you bolt on extras to match your operating needs.
Third-party liability
Third-party cover is the legal minimum under the Road Traffic Act 1988. It pays for injury to other people and damage to their property if one of your trucks is at fault, but does not cover your own vehicle.
Employers' liability
If you employ drivers, UK law requires a minimum of £5 million in employers' liability insurance. Most fleet policies include £10 million as standard, and operating without it carries fines of up to £2,500 per day.
Public liability
Public liability insurance is not legally required but covers claims from members of the public injured or whose property is damaged by your fleet operations. Most haulage clients and contracts require it.
Trailer cover
HGV fleet policies typically include trailer cover on a specified or unspecified basis. Specified cover lists each trailer by make or serial number, while unspecified cover applies to any trailer your fleet uses, including hired or borrowed units.
Optional add-ons
Common extras include goods-in-transit cover, breakdown and recovery, courtesy vehicle hire, EU and international cover, windscreen replacement, and legal expenses. Only pay for add-ons your operation actually needs.
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What Levels Of Cover Are Available?
HGV fleet policies split into three cover levels and several use classes, and choosing the right combination keeps your fleet legal and your costs under control.
| Cover level | Your vehicle damage | Fire and theft | Third-party claims |
| Third-party only (TPO) | Not covered | Not covered | Covered |
| Third-party, fire and theft | Not covered | Covered | Covered |
| Comprehensive | Covered | Covered | Covered |
Some insurers only offer comprehensive cover as standard for HGV fleets, meaning TPO and third-party fire and theft are unavailable. Confirm the options with your chosen insurer before committing.
What Types Of HGV Fleet Insurance Can You Get?
Your use class depends on whose goods you carry and whether you are paid to carry them, and it decides which operator licence your fleet needs.
Carriage of own goods
This use class covers businesses that transport their own stock or equipment, such as a construction firm moving materials to site. It does not extend to carrying goods on behalf of a third party, which needs a separate commercial fleet policy with haulage cover.
You still need the correct operator's licence even if you only carry your own goods. A restricted licence covers own-goods carriage, but it does not permit you to carry goods for other businesses.
Haulage insurance
Haulage fleet insurance applies when you transport other people's goods to a single destination in exchange for payment. Furniture removal companies, bulk freight carriers, and container logistics firms typically fall into this category.
Haulage operators need a standard national or standard international licence. The international licence also permits cross-border journeys into mainland Europe.
Hire and reward
Hire and reward cover is for drivers making multiple drop-offs to multiple addresses, such as parcel deliveries or food distribution rounds. Courier fleet insurance is a common sub-type for lighter delivery vehicles within a mixed fleet.
If your fleet mixes HGVs for bulk haulage with smaller vans for last-mile delivery, you may need a combination of haulage and hire-and-reward cover across the schedule.
What Is Not Covered By HGV Fleet Insurance?
Standard exclusions apply across all cover levels, and claims linked to any of the following will normally be declined.
Mechanical wear and tear
Gradual engine wear, tyre degradation, brake pad replacement, and routine servicing costs fall outside the policy. Fleet insurance covers sudden, accidental events, not scheduled maintenance.
Drink, drug, or reckless driving
Any claim arising while a driver is over the legal alcohol or drug limit, or while breaking road traffic laws, will be refused. The insurer may also void the entire vehicle's cover.
Uninsured goods or personal belongings
Driver personal effects, aftermarket GPS units, and audio equipment are not covered unless you add a personal-effects extension. Goods being transported need separate goods-in-transit cover if not included in the base policy.
Unlicensed or undeclared drivers
A claim will be rejected if the driver was not named on the policy or did not hold a valid HGV licence and Driver CPC at the time of the incident. Every driver must be declared at quote stage.
Refrigerated or temperature-sensitive loads may need a specialist extension if the cold chain fails and stock deteriorates. Check with your insurer whether this is covered under your standard goods-in-transit add-on.
How Much Does HGV Fleet Insurance Cost?
Expect to pay £1,500–£5,000 per vehicle per year for HGV fleet cover, with the per-truck cost dropping as the fleet grows.
According to the Association of British Insurers, commercial vehicle premiums have risen steadily since 2023, and HGVs sit at the higher end because of their size, repair costs, and claims severity.
| Fleet size | Typical annual total | Per-vehicle range | Estimated saving vs individual policies |
| 2–3 HGVs | £4,000–£12,000 | £1,350–£4,500 | 10–15% |
| 4–6 HGVs | £7,000–£22,000 | £1,250–£4,000 | 15–20% |
| 7–10 HGVs | £11,000–£35,000 | £1,100–£3,500 | 20–25% |
Figures are estimates based on comprehensive cover for standard rigid HGVs with experienced drivers and clean records. Articulated trucks, hazardous-goods carriers, and fleets with younger drivers will sit toward the upper end of these ranges.
A haulage firm insures five 18-tonne rigids individually at £2,200 each, totalling £11,000 per year. A fleet policy for the same vehicles could bring the combined cost to around £9,200, saving roughly £1,800 annually.
Adding a sixth vehicle to the fleet often improves the per-truck rate further. Insurers reward larger schedules because the risk spreads across more vehicles and drivers.
Monthly instalments
Most insurers offer monthly payments, but the total cost is typically 8–11% higher than paying annually. On a £9,200 fleet premium that adds roughly £740–£1,010 over 12 months.
For a detailed pricing breakdown, read our guide on how much fleet insurance costs.
What Affects Your HGV Fleet Insurance Premium?
Insurers assess each vehicle and driver on your schedule individually, then calculate a combined fleet premium. Several factors shape the final figure.
Driver age and CPC status
Drivers under 25 attract higher premiums because younger operators carry more claims risk. Holding a current Driver Certificate of Professional Competence (CPC) is a legal requirement and signals ongoing training to insurers.
Vehicle weight and body type
Heavier trucks cost more to insure because collisions cause more damage and repairs are expensive. An articulated 44-tonne unit will cost considerably more than a 7.5-tonne rigid.
Operating radius and mileage
Fleets that run long-distance routes or cross into mainland Europe face higher premiums than local operators. Lower annual mileage per vehicle reduces exposure and typically brings the cost down.
Claims history
Fleet insurers assess your Confirmed Claims Experience (CCE) over the past three to five years rather than applying a fixed no-claims scale. A clean record across the fleet reduces premiums at renewal, while a single large at-fault claim can push up the cost for every vehicle on the schedule.
Cover level and add-ons
Comprehensive cover costs more than TPO, but the gap is often smaller than operators expect. Adding goods-in-transit, breakdown, and EU cover on top increases the premium further.
Operator's licence type
Fleets operating under a standard international operator's licence that cross into mainland Europe may face higher premiums than those on a restricted or standard national licence. Cross-border operations add exposure to different road conditions and legal systems.
Parking and security
Trucks kept in a locked, alarmed compound overnight attract lower premiums than those parked on the roadside. Fitting immobilisers, trackers, and CCTV to the yard can further reduce your fleet's risk profile.
How To Save Money On HGV Fleet Insurance
HGV premiums are higher than car or van cover because the vehicles are larger, the claims are costlier, and the regulatory burden is steeper. These steps help bring the bill down.
Compare quotes every year
Loyalty rarely pays in commercial insurance. Compare quotes from multiple brokers and direct insurers at every renewal to make sure you are still on the best deal.
Fit telematics across the fleet
Telematics devices track speed, braking, and idling, giving insurers real driving data. Fleets that demonstrate safe driving habits through telematics can see premium reductions of 10–20%.
Pay annually
Paying the full premium upfront avoids the 8–11% interest markup that monthly instalments add. On a £9,200 fleet that saves £740–£1,010 a year.
Maintain a clean claims record
Encourage safe driving and report near-misses early. Fleet premiums are heavily influenced by your Confirmed Claims Experience (CCE), and three to five claim-free years can cut your renewal cost by a substantial margin.
Increase your voluntary excess
A higher voluntary excess per vehicle lowers the premium, but set it at a level the business can comfortably absorb on each truck if a claim arises.
Hire experienced drivers
Drivers over 25 with clean licences and advanced qualifications attract lower premiums. Investing in Driver CPC refresher courses and defensive-driving training also demonstrates risk management to underwriters.
Secure your vehicles and yard
A locked compound with CCTV, perimeter alarms, and individual truck immobilisers reduces theft and vandalism claims. Insurers reward visible security measures with lower premiums.
Fuel-theft prevention matters too. Locking fuel caps and well-lit yards deter opportunistic theft and remove a common source of small claims.
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Compare HGV fleet insurance quotes from UK insurers in minutes.
Frequently Asked Questions
HGVs are motor vehicles with a gross vehicle weight above 3.5 tonnes. They include rigid trucks, articulated lorries, tipper trucks, and tankers.
Most insurers require at least two HGVs for a fleet policy, though some set the minimum at three. Read our guide on how many vehicles you need for fleet insurance for a full breakdown.
Yes, any business operating HGVs for hire and reward or carrying goods commercially must hold a valid goods vehicle operator's licence issued by the Traffic Commissioner. Insurers will ask for the licence number at quote stage.
Haulage insurance covers transporting goods to a single destination for payment, such as a furniture removal firm. Hire and reward covers multiple drop-offs to multiple addresses, such as parcel or food distribution.
Yes, most fleet policies let you add new trucks or remove sold vehicles during the policy year. The insurer adjusts the premium on a pro-rata basis, so you only pay for the time each vehicle is on cover.
Yes, if you employ one or more drivers, UK law requires a minimum of £5 million in employers' liability cover. Most fleet insurers include £10 million as standard.
Drivers need a category C licence for rigid HGVs over 3.5 tonnes and a category C+E licence for articulated vehicles. A valid Driver CPC is also required, and the full list of driving licence categories is available on gov.uk.
Some insurers offer short-term or temporary fleet cover for seasonal work or short contracts. Premiums per day are higher than annual cover, so it only makes financial sense for genuinely short-term needs.
Not automatically, as goods-in-transit cover is usually an optional add-on or a separate policy. If your business transports other people's goods, check that your fleet policy includes it or add it separately.
Specified cover lists each trailer by make, model, or serial number and typically applies to trailers you own. Unspecified cover extends to any trailer your fleet uses, including hired or borrowed units.
In most cases, yes, as fleet discounts of 10–25% are common and larger fleets see the biggest savings. Even a small fleet of two or three HGVs can pay less under one policy than on separate covers.
