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HGV FleetInsurance

HGV Fleet Insurance

Cover for businesses running several heavy goods vehicles, built around haulage, logistics and long-distance work.

Cover for businesses running several heavy goods vehicles, built around haulage, logistics and long-distance work.

O-licence operators
Tractors & trailers
Goods in transit
Compare from 20+ Insurers

From a few HGVs to a nationwide haulage operation

Talk to a specialist 0330 808 0730

Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL
Allianz
Granite Underwriting
Inshur
Aviva
Jensten Insurance Brokers
ERS
Bond Lovis
QBE
Victor
Admiral business
Axa
Highway
Collingwood
Zurich
KGM
Ageas
NIG
Sabre
DCL

What is HGV fleet insurance?

HGV fleet insurance covers two or more heavy goods vehicles under one policy, built for haulage, logistics and long-distance commercial transport, with a single renewal instead of separate HGV policies.

“HGV fleets carry different risks to cars and vans, vehicle weight, driver licensing (LGV/HGV categories) and haulage distance all shape the right policy.”

The right HGV fleet depends on:

How many HGVs you run
Type of haulage or logistics work
Named or any driver options
How your fleet is likely to grow
Vehicle weight and category
Your preferred renewal structure
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Is HGV fleet cover right for your business?

Is HGV fleet cover right for your business?

HGV fleet cover suits haulage and logistics businesses running two or more trucks, bringing road risk, goods in transit and liability cover together under one renewal.

HGV fleet cover suits haulage and logistics businesses running two or more trucks, bringing road risk, goods in transit and liability cover together under one renewal.

Growing Haulage Businesses

Adding HGVs as your operation grows? Fleet cover keeps management simple.

Multiple Drivers

More than one LGV/HGV-licensed driver? Choose the arrangement that fits.

Mixed Fleets

HGVs alongside vans or cars? Cover can often bring these together.

Long-Distance Routes

Running regional or national haulage routes? Keep your whole fleet protected.

Risk Management

Reduce downtime and manage fleet risks with telematics and reporting.

Simpler Management

Prefer one policy, one renewal date across your HGV fleet?

What weight category is your fleet?

HGV fleet cover reflects the vehicle categories and licences your drivers hold.

Gold delivery truck icon with a boxy cargo area and cab on two wheels, viewed from the side.

Rigid HGVs

Best for local & regional haulage

Category C licence vehicles
Common for local distribution
Simpler licensing requirements
Gold delivery truck icon with a boxy cargo area and six wheels on a transparent background.

Articulated HGVs

Best for long-distance haulage

Category C+E licence vehicles
Common for national and international routes
Higher-value loads typical
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Specialist Vehicles

Best for niche haulage needs

Tippers, tankers or specialist rigs
May need bespoke terms
Often higher-risk cargo

Which fleet policy is right for you?

Which fleet policy is right for you?

Every fleet policy shares the basics, one renewal, one point of contact, but the right fit depends on your vehicles and licensing.

Every fleet policy shares the basics, one renewal, one point of contact, but the right fit depends on your vehicles and licensing.

Fleet TypeBest ForMinimum VehiclesCommon Use

HGV Fleet

Heavy commercial vehicles

1+

Haulage and logistics

Motor Fleet

General mix of cars and vans

2+

General business use

Van Fleet

Several vans

2+

Trades and service businesses

Courier Fleet

Paid delivery work

2+

Couriers and delivery firms

Business Fleet

Established, broader fleets

2+

Scaling operations

Mini Fleet

Small fleets, 2-5 vehicles

2-5

Small businesses starting out

Still unsure which fleet type is right for you?

Contact Us For Help: 0330 808 0730

What affects the cost of HGV fleet insurance?

HGV fleet insurance is priced on the number, weight and value of your trucks, the goods you haul, your operating radius, driver ages and experience, overnight security and your claims record.

Vehicle weight & category

Heavier vehicle categories typically carry higher premiums.

Number of vehicles

More HGVs on the policy can affect the overall cost.

Number of drivers

Named-driver or any-driver arrangements can affect your premium differently.

Level of excess

Choosing a higher voluntary excess could reduce your premium.

Type of haulage work

Local, regional or long-distance work carries different risk levels.

Claims history

Your fleet’s previous claims history can affect the cost of your policy.

Insurance is only part of managing a fleet

Good fleet management can help you control risk, improve driver safety and manage costs over time.

Fleet management checklist

Driver records
Claims monitoring
Vehicle maintenance
Driver training
Mileage tracking
Vehicle replacement planning
Man holding a clipboard inspects rows of parked trucks in a lot at sunset.

When things go wrong, we're here to help

We'll guide you through the claims process and liaise with insurers when needed.

Report icon

Report

Tell us what happened, including details of the vehicles, drivers and passengers involved.

Support icon

Support

Our team helps you understand the next steps and liaises with your insurer.

Get moving icon

Get Moving

Work with the insurer to resolve the claim and get your minibuses back on the road.

Why HGV Operators Choose Us

Why HGV Operators Choose Us

The reasons haulage and logistics businesses trust us with their fleet cover.

The reasons haulage and logistics businesses trust us with their fleet cover.

Compare quotes from insurers who genuinely understand haulage and heavy commercial risk.

Compare Quotes
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Excellent

4.9 rated broker

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Why use Insurance Revolution for HGV fleet cover?

We help haulage and logistics businesses find HGV fleet insurance suited to their vehicles, drivers and routes.

Access to specialist HGV fleet insurers
Experienced UK advisers
Flexible driver options
Support for mixed HGV and van fleets
Help with policy changes
Support with complex risks

How the quote process works

How the quote process works

Simple steps. Expert advice. The right cover for your business.

Simple steps. Expert advice. The right cover for your business.

1

Tell us about your HGVs

Vehicle weights, types, and whether you run own-account or haulage for hire.

2

Tell us about your operation

Your O-licence, routes, what you carry, and driver CPC status.

3

We compare HGV fleet insurers

Insurers who understand haulage, operator licensing and goods in transit.

4

Manage it on one policy

Tractor units and trailers on one policy with a single renewal.

We're with you all the way

UK-based specialist advisers
Access to specialist insurers
No obligation, just expert help

Running lighter commercial vehicles too?

Running lighter commercial vehicles too?

If your operation also includes vans or cars alongside HGVs, Business Fleet or Motor Fleet cover may bring everything together.

If your operation also includes vans or cars alongside HGVs, Business Fleet or Motor Fleet cover may bring everything together.

White cargo van and gray sedan parked side by side on a plain black background.

Trusted by thousands of businesses across the UK

Trusted by thousands of businesses across the UK

From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.

From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.

HGV fleet insights & guides

HGV fleet insights & guides

Practical advice on licensing, compliance and managing a growing HGV fleet.

Practical advice on licensing, compliance and managing a growing HGV fleet.

HGV Driving Safety Statistics

HGV Driving Safety Statistics

We asked the general driving public how they felt about it and have pulled together some data regarding accidents/incidents involving HGVs too. Read on for more information.

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Frequently Asked Questions

Frequently Asked Questions

Find quick answers to common questions about HGV fleet insurance and driver licensing.

Find quick answers to common questions about HGV fleet insurance and driver licensing.

HGV fleet insurance covers two or more heavy goods vehicles under one policy, with a single renewal date and one point of contact instead of separate HGV policies.

Still have questions?

Our advisers are here to help you find the right solution.

Want to estimate costs before you talk to us?

Want to estimate costs before you talk to us?

Try our Fleet Cost Calculator to get a rough estimate based on your vehicles and drivers, then speak to an adviser for a full quote.

Try our Fleet Cost Calculator to get a rough estimate based on your vehicles and drivers, then speak to an adviser for a full quote.

Mechanic in blue uniform using a digital tablet in a truck maintenance garage with several white trucks in the background.