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What Is HGV Insurance?
HGV Insurance also called Heavy Goods Vehicle Insurance is a policy for Trucks, Lorries and other vehicles over the weight of 7.5 tonnes. HGV Insurance is a legal requirement to drive these types of vehicles as well as a valid operators license. HGV Insurance can cover many aspects such as the driver, the vehicle itself, the cab or trailer and other people in the event of a liability claim. It is important to get the right level of HGV Insurance which is why we use the top UK Insurance providers for Truck and HGV.
What Is An Operators Licence And Do I Need It?
What Different HGV Insurance Covers Are Available?
HGV Insurance in general still provides the same level of cover as normal car insurance. However there are additional covers you may wish to consider.
- Comprehensive Cover: Covers you for the loss or damage of your vehicle and also a third parties vehicle. This is the highest level you can choose from and in some cases is actually the cheapest.
- Third Party, Fire And Theft: This is the second highest level of cover, It will cover you for theft of the HGV Vehicle as well as malicious or accidental fire damage. This will only cover a third parties vehicle in the event of an accident.
- Third Party Only: This is the lowest level of cover and will only pay for a third parties vehicle in relation to an accident.
- Break Down Cover: You may be out working one day or evening and find that your vehicle has broken down. As this is your business and source of income, having breakdown insurance can take away a lot of stress if it happens. This could include towing your Vehicle to your home or a garage, side of road tyre changes or repairs.
- Legal Cover: If you were to have an accident or injure someone else you may have to defend your case in court if it wasn't your fault or even if it was. These fees can be potentially thousands of pounds.
- Goods In Transit: As well as insuring your vehicle its worth considering insuring the goods that are in transit. This would cover for any theft, loss or damage to the goods.
Could Insure Me UK Help Find Cheap HGV Insurance Quotes?
At Insure Me UK we have a range of HGV Insurance Brokers who can cater for anyone and any Vehicle. They have some of the cheapest rates on the market. Our Service is completely free to use so why not get a HGV Insurance Or Truck Insurance quote today.
What Do I Need To Get A HGV Insurance Quote?
The only thing you need is the vehicle registration, Make, model and your personal details. Our Form will ask all the relevant questions needed to obtain an insurance price.