Truck Insurance

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Why Compare Truck Insurance Quotes with SimplyQuote?

SimplyQuote can help you save money and time by comparing insurance quotes from the UK’s leading insurance providers – all in one place.

We offer unbiased comparisons so you can find the best cover tailored to your needs at a competitive price.

All we need from you is information about your lorry or truck, your drivers, and some personal details. Once we have that, you will receive quotes within minutes thanks to the comparison tool.


How Does Truck Insurance Work?

What Are The Different Levels of Truck Insurance Cover?

There are different levels of cover available at different premiums

Comprehensive insurance

Comprehensive insurance covers damage to your truck if you’re in an accident, as well as any injuries you sustain in the accident. It will also cover your truck if it is stolen or damaged in a fire.

Third-party, fire and theft

Third-party, fire and theft insurance covers damage to other people’s property or medical bills if someone else was injured in an accident caused by your truck.

Third-party only

In the UK, you are legally required to have a minimum of third-party only insurance for trucks. It will only cover third-party claims if your vehicle caused damage to someone else’s property or you have to cover their medical bills due to an accident you caused.

What Are The Types Of Truck Insurance Policies?

There are several types of truck insurance policies, each tailored to specific scenarios or vehicles.

Fleet insurance

If you’re a fleet owner, this is the insurance policy for you. It allows you to insure multiple vehicles under a single policy. This is not only more affordable, but also simplifies the admin when it is time to renew your policy or make a claim.

Commercial vehicle insurance

This insurance policy covers most commercial vehicles, including HGVs and vans. If you use your lorry for business purposes, this insurance policy is a requirement.

Recovery truck insurance

This policy provides specialist cover for breakdown and recovery vehicles. Depending on the level of cover, it could also pay for the transport of recovered vehicles.

Flatbed truck insurance

Flatbed trucks can be used to transport various goods (including other vehicles) and, therefore, need a tailored insurance policy.

Tipper truck insurance

Tipper trucks are used to haul loose material like sand or gravel. This policy will specifically cover this kind of vehicle. They’re hazardous to drive because of their large size and they’re often targeted by thieves because of their expensive parts.

Refrigerated truck insurance

This truck insurance policy provides specific cover for refrigerated trucks used for temperature-controlled transport. The reason this kind of vehicle receives specialist cover is because of the unique parts that would have to be repaired or replaced.

Specialist truck insurance

Some vehicles that require specialist policies are those with a single function, such as:

  • Cement mixers
  • Gritter lorries
  • Snow ploughs
  • Livestock lorries
  • Skip lorries
  • Highway maintenance vehicles

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Which Add-Ons Can I Get With My Truck Insurance Cover?

If a standard vehicle insurance policy does not provide all the cover you need, consider getting one of the following insurance add-ons:


Breakdown cover

You’ll be covered if your vehicle breaks down next to the road and requires roadside assistance or towing to the nearest mechanic


Goods in transit cover

It offers financial protection if your cargo is damaged or lost during transportation.


Carriage of own goods

Should you use your HGV or lorry to transport personal possessions – like if you’re moving house and transporting your own furniture – this add-on will protect you should you get in an accident during transit.



Haulage insurance applies to drivers who only make a single trip to transport goods (as opposed to couriers or hire and reward drivers who make several stops).


Hire and reward

Hire and reward cover is applicable if you use your vehicle to transport goods for customers for payment. For example, movers who help homeowners move to a new home should buy this type of insurance.


Employers liability insurance

If you are a business owner and have employees working for you, you legally need this policy. If an employee causes an injury to someone while working for you, or if an employee is injured on the job, you’ll be covered for medical bills and legal fees.


Public liability cover

Even minor accidents can result in lawsuits. This cover will safeguard you and your business if a third-party injury or property damage occurs outside of a road accident. For example, if you have a refrigerated truck that is dripping ice and water, and someone slips and falls, your insurance will pay their medical expenses and any lawsuit that might arise.


Personal effects cover

Any tools or personal belongings you store in your truck (like your phone or wallet) will be protected in the event of theft.


Legal expenses

Legal disputes can cost you a lot of money. Legal cover provides financial assistance for any legal costs you might incur due to an accident relating to your HGV or truck operations.


Replacement locks

A lost or stolen key can cause mayhem and delay an entire day’s work. This cover will ensure that you can get back on the road by paying for the cost of lost keys or replacement locks.


European cover

This is a necessity if your operations extend to neighbouring European countries.

How Much Does Truck Insurance Cost?

SimplyQuote is all about making truck insurance easy and affordable

How Can I Find Cheap HGV Insurance?

Although the cost of truck insurance will depend on the factors above, there are some ways to reduce your premiums.

Compare prices

The easiest way to cut down on your insurance costs is to get several truck insurance quotes and compare prices and policies to find one that suits your budget and needs. SimplyQuote can help you find the right truck insurance policy.

Experienced drivers

Avoid hiring young or inexperienced drivers as they will cost more to insure. Older drivers with lots of truck driving experience are considered less risky and have lower chances of causing an accident, lowering premiums.

Avoid “any driver” policies

A policy that will insure any licenced driver will be more expensive. To save money, limit who is allowed to drive your vehicles. It will be more affordable to add named drivers instead.

Pay annually

By paying your insurance upfront, you will avoid paying interest on monthly instalments.

Increase your excess

A higher excess suggests you will only make a bigger claim, which statistics state is less likely to occur.

Ensure you park your truck(s) at secure premises

Insurers are more likely to offer lower premiums to those who lock their premises at night or park off the road.

Build up your no-claims bonus

Install dashcams, sat-nav, trackers, and telematics systems in your vehicles.

Looking for the cheapest Truck Insurance? Get your quote today!

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How To Compare Truck Insurance Quotes with SimplyQuote? Truck Insurance Cover?

Comparing quotes is really easy thanks to the comparison tool. All we need from you is some basic information and you’ll have quotes from several insurance providers in minutes!

Provide us with information on your truck(s), drivers, location, and business.

We’ll get quotes from the top truck insurance providers in the country.

You’ll get to review the quotes and policies to find one tailored to your needs.

Frequently Asked Questions

Are there age restrictions on truck insurance?

It will depend on the insurance provider, but most insurers won’t cover drivers younger than 21, and those under the age of 25 will be very expensive to insure. Although young drivers’ insurance is available with some insurance providers, be prepared to pay a lot.

How many trucks can I add to my fleet insurance?

Mini fleet insurance can insure a minimum of two vehicles. The maximum limit will depend on your insurer, but there is no maximum legal limit. However, due to the complexity of the policy, most insurers will cap it at about 15 vehicles.

What level of HGV cover am I legally required to have?

You need a minimum of third-party only cover in the UK. If you have staff, you’ll also legally require employers’ liability insurance. If you’re transporting goods for customers, transit cover is a good idea.

Will my business industry affect my lorry insurance?

Yes, an insurance provider will consider your industry when calculating your premiums. For example, if you transport hazardous goods you’re considered higher risk and will pay higher premiums.

Is truck insurance the same as van insurance?

No – truck and commercial or private van insurance are not the same. Trucks are heavy goods vehicles and require specialist insurance due to their larger size and risks associated. Vans can be for private or commercial use, and van insurance is more affordable than truck insurance.