HGV/LGV Insurance
Do you need an HGV Insurance Policy?
If you own and intend to use a vehicle on a UK public highway which is over 7.5 tonne Gross Vehicle Weight then an HGV Insurance Policy is required. Examples of types of vehicles would be an Articulated Lorry, Tipper Lorry, Cement Mixers, Skip Lorry, Flat Bed Lorry etc..
Why use UK Haulier to help find your HGV Insurance?
UK Haulier have been recommending leading Lorry insurance brokers for over 2 years. Having been involved within the industry for many years, we know where to get the best hgv insurance deals in the UK Truck Insurance market place. We highly recommend you get comparable quotes to ensure you are getting the best cover suited for your hgv insurance needs and all this at the right price. We have therefore found the what we believe to be the best insurance companies in the UK who can deliver the best deals for your new truck insurance policy. Click on the desired logo for an online quote today.
We recommend HGV insurance brokers who offer fantastic HGV Insurance products with staff who are specialists in their field and highly trained to the top standards. All our recommended Truck insurance partners are based in the UK and are available to tspeak to if you have any questions about your online quotation.
What HGV Insurance Cover do you need?
How you are carrying your goods determine what HGV insurance cover you will require. The options can be:
- Haulage Insurance (Carriage of Goods For Hire and Reward) – this cover will be required if you are charging to deliver someone else’s goods
- Social Domestic and Pleasure Insurance – usually for personal use and a typical example is Horsebox Insurance
- Carriage of Own Goods Insurance – for the carriage of your business goods only and a typical example is a Groundworker, Scaffolder.
HGV Insurance follows the traditional types of cover of Comprehensive, Third Party Fire and Theft and Third Party Only. All insurance policies will carry an excess (the first part of any insurance claim which you are responsible for). All excess vary from each and every HGV insurance broker, be assured you check this when comparing quotations.
Windscreen cover is usually not available on Lorry Insurance Policies however some HGV insurance companies can offer this with some Comprehensive products, this incurs an extra excess. Our HGV insurance partners can offer and arrange cover for all types of policyholders which include sole proprietors, lorry business partnerships, haulage companies where incorporated, charities and other organisations.
I may need to deliver goods into Europe?
UK Truck Insurance is the traditional contract. However it is becoming more regular that foreign use insurance is required. Temporary foreign use insurance to European countries can be easily issued with a Green Card extension. If very regular foreign use travel occurs then our partners can accomodate in most cases Annual cover for European HGV lorry insurance by issuing an Annual Green Card option on your policy.
What else will you need?
Typically Goods in Transit Insurance is usually a must for all policyholders. We again offer fantastic reccomendations for this form of Business Insurance. See below our Business Insurance partners and click on the relevant logo to get a quote on Goods in Transit Insurance suited for your needs. For example, Goods In Transit All Risks cover up to any specified amount, GIT Insurance with RHA conditions of carriage, CMR cover for all types of goods. Our partners can offer this for individual HGV’s and also on multiple vehicles (Fleet Policy). UK and EU use can also be offered in most cases. Usually there are no restrictions on types of goods carried and can include Insurance for Furniture Removers. Public Liability Insurance and Employers Liability Insurance may also be possible to obtain.
I’m expanding my business and want more HGV vehicles?
We recommend HGV insurance brokers who keep in tune and have access to many Haulage Insurance and Fleet Insurance markets. Typical HGV insurance schemes are designed for policyholders with up to 6 vehicles inmost cases. If you have more HGV vehicles then a Fleet Insurance Policy should be sought. We recommend Fleet Insurance providers below, click on the relevant logo for a quotation.
Fleet Insurance
What is Fleet Insurance?
Any motor vehicle that is used or left on a public highway is legally obliged to have adequate insurance cover. UK motor fleet insurance is a policy that will cover several specified vehicles of any type.
Why use UK Haulier to help you find your Fleet Insurance?
UK Haulier recommended Fleet insurance brokers who have an excellent reputation with customers and insurers alike for providing quality cover at a competitive fleet insurance price.
Their constant investment in technology and quality staff keeps all our partners ahead of other Fleet Insurance competitors by ensuring their service standards remain high and behind customer's expectations.
Is Fleet Vehicle Insurance right for you?
You may currently only have one or two vehicles but are looking at expanding your transportation numbers. Fleet vehicle insurance can be a good option for 5 or more vehicles as renewal date will be the same, only one payment to make all making your administration easier and possibly making the cost more affordable.
Another benefit of a motor fleet insurance policy is that different types of vehicle can be placed on the same policy. We recommend Fleet insurance partners who have many facilities for all types of vehicles to be included such as Car Fleet Insurance, Van Fleet Insurance, Lorry Fleet Insurance, Haulage Fleet Insurance, Tipper Fleet Insurance, Courier Fleet Insurance, and provide mixtures of each.
What do you need to get a competitive Fleet insurance quote?
If you already have a fleet insurance policy and it is due for renewal then you should have been furnished with your current fleet insurance experience. You should be provided this from your current fleet insurance broker or fleet insurance company. This is a must in order for an alternative fleet insurance quote to be obtained from one of our partners. If you are requesting a quote for a new start fleet insurance then ensure that you have as much driving written experience to provide in the form of current car, van, lorry No Claims Discount or equivalent company driving experience. Our partners require his information before they will offer you a price on your Fleet Insurance Quotation.
What types of cover can you get for your Fleet Insurance quote?
UK Fleet Insurance follows the same suit as all motor and includes the following cover types:
- Comprehensive Fleet Insurance
- Third Party Fire and Theft Fleet Insurance
- Third Party Only Fleet Insurance
What are the driving restrictions for your motor Fleet Insurance?
Fleet insurance is tailored around the individual needs of the policyholder. Driving restrictions can be as simple as named and approved drivers up to Any Driver over 17 years of age. Obviously these are cost implications to your fleet insurance premium depending on the scope of the driving restrictions requested.
G.I.T (Goods In Transit) Insurance
If you need goods in transit insurance for courier and haulage contractors,
we can also help you with that. Covering levels from £5,000 to £100,000, covering the European
Union and offering tailored made solution for higher value or attractive goods. With all GIT
policies you can grow your cover as your business develops. You can also pay by monthly installments.
Disclaimer
This content gives general guidance only and should not be regarded as a complete
or authoritative statement of the law. The guidance will be updated to reflect any
developments in new legislation or case law.
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