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HGV Insurance

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HGV Insurance

Insure your HGV for any eventuality with a comprehensive HGV insurance policy.

Fill out our short form or call us on 03333 440 129

Specialist HGV insurance tailored to your needs

Just like cars, it is a legal requirement to insure all heavy goods vehicles. Even if you don’t intend to take it out on the road at the moment, it must still be insured unless you have officially registered it as being off of the road with a Statutory Off Road Notification (SORN).

However, by choosing specialist HGV insurance rather than simple vehicle cover, you can get additional necessary cover for your HGVs and, by extension, your business.

Do I need HGV insurance?

While there is no standard classification of what exactly a Heavy Goods Vehicle is, if you use a vehicle that is larger than a van for commercial purposes then the chances are you could benefit from a specialized HGV insurance policy. All policies will vary according to the needs of the HGV owner so you can have the peace of mind to know that your needs will be catered for in your policy.

What does HGV insurance cover?

HGV insurance will provide the basic vehicle cover that you must have by law which will cover any damage or injury you may cause to a third party in an accident, and you will also be able to choose extended cover for your own vehicle against accident, fire, theft and cracked or chipped windscreens.

You can also choose to include additional cover to further protect your HGV and your business, such as:

  • Employer’s liability insurance (please note that this is a legal requirement if you hire the driver, even if they are a freelancer or volunteer)
  • Public liability insurance
  • Product liability insurance
  • Personal accident cover
  • Breakdown cover
  • Stock cover

Working alongside One-Direct is a real joy. They are very helpful to us at Care after Combat in providing insurance solutions and advice that meet our needs. As a charity, we find their products reliable and more importantly they deliver… they do what is says on the tin!

Jim Davidson OBE “”