Flexible, Quality Lorry, HGV, and Truck Insurance
Truck Insurance
The Instatruck team has many years of truck insurance experience and has helped hauliers, logistics firms, and truck owners get the quality HGV insurance they need for less. To get your truck insurance quote, call the Instatruck team on 01332 320540 or start your commercial fleet insurance quote here. Our independent team will compare their markets to find you a competitive cover that doesn’t compromise on quality.
What Is Truck Insurance?
Truck insurance – or heavy truck insurance, or HGV insurance as it’s also known – provides lorry owners, haulage firms, and other heavy goods vehicle owners with the cover they need to drive their vehicles on the road legally. A flexible policy, it can be adapted to cover a wide range of risks, including:
- Accident
- Loss/damage due to fire
- Theft
- Public liability insurance – should you accidentally injure someone or damage their property, then a public liability insurance option on your truck policy will cover compensation claims up to a set limit
- Employers’ liability – if you employ any drivers, be they full-time or part-time, then employers’ liability insurance is a legal requirement
- European cover
- Loss of license – if you lose your licence for a time, loss of licence insurance will compensate you for an agreed period until you can get it back. This cover almost certainly won’t include things like drink driving or wreckless driving bans
- Goods in transit – goods in transit insurance will protect your cargo from loss, theft, or damage while it’s transported or while it’s being stored by you ahead of being moved
What Vehicles Can Truck Insurance Cover?
- Heavy goods vehicles between 3 and 100 GTV
- Bulk carriers
- Electric and hybrid trucks
- Low loaders
- Flatbed trucks
- Tankers
- Breakdown trucks
- Skip carrier
- Tippers
- Gritters
- Curtain side lorries
- Cement mixers
- Refrigerated and insulated lorries and vans
What Types Of Truck Insurance Are There?
As with most motor insurance policies, there are three basic types of truck insurance:
- Third-party – the minimum legal requirement to drive your truck on the road. This will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault
- Third-party, fire, and theft – this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault or if one or more of your trucks is accidentally damaged or destroyed by fire or stolen
- Fully comprehensive – provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your truck will be covered
Which form of cover is right for you is dependent on your budget and your specific needs. If you’d like some help getting the truck insurance that’s right for you, then call the independent team at Instatruck on 01332 320540 or start your truck insurance quote.
Truck Insurance Policy Options
As well as the above options, commercial fleet insurance for trucks comes with the following important policy options:
- Public liability insurance – if one of your truck drivers accidentally injures a member of the public or damages their property, you can be sued for compensation. Public liability insurance of between £1m and £10m can protect you from any losses should you be found liable
- Goods in transit insurance – goods in transit insurance protects cargo while it’s being moved or stored by you. Should your cargo or your own goods be damaged, lost, or stolen while being moved, you’ll be able to claim for any losses
- Truck fleet insurance – if you have two or more trucks in need of cover, then truck fleet insurance is a good option. Not only can it cut down on administration time, it can also give you a lower cost-per-vehicle insurance cost
- European cover – European cover will insure your trucks and drivers if they do European runs
- Loss of licence insurance – if you were to lose your HGV licence, loss of licence cover would compensate you for losses for an agreed period
- Truck legal protection insurance – covers you should someone make a compensation claim against you or your company. If you have legal fee cover as part of your truck legal protection insurance that will fund the defence of the action
- Truck breakdown and recovery insurance – if your truck is off the road, it’s costing you money. Truck breakdown and recovery insurance can help get your lorries back on the road and back in business more quickly
How Much Does Truck Insurance Cost?
At Instatruck we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements to a tee. What we can say is that your truck insurance quote will depend on factors such as:
- How many vehicles you have – if you have more than two, you should consider truck fleet insurance as it could save you money
- The value of your vehicle(s)
- The type and condition of your truck(s)
- The turnover of your business
- The nature of your business and the work you do – carrying hazardous or high-value goods may push up your premiums
- The size of the clients you work with
- Your claims history
- The age of your drivers – young and older drivers can be more expensive to insure
- If you want a named driver or any-driver policy
To get the truck insurance that’s right for you, call the Instatruck team on 01332 320540. We’ll get to know your needs before comparing our markets to find you a great truck insurance quote.
Truck Insurance FAQ
To give you a clearer idea of how we can help you, here are a selection of frequently asked questions about Instatruck. We hope they will prove helpful, but if you’d like to know something else, please call us on 01332 320540 or email the Instatruck team here.
Yes, Instatruck can offer you truck breakdown and recovery insurance
Getting a truck insurance quote from Instatruck is easy, you can call us on 01332 320540. Thanks to our wide range of truck insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
Get A Truck Insurance Quote
If you’d like some truck insurance help or a truck insurance quote, call Instatruck on 01332 320540. We can give you all the advice you need and can compare our markets to find you the cover you require.
Like Some Insurance Help?
If you’re looking for quality haulage, HGV goods in transit, plant, fleet, HGV or truck insurance, put Instratruck’s insurance price comparison service to test today. You can call us on 01332 320540 to start your truck insurance price comparison.