
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.
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:

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?
HGV fleet cover reflects the vehicle categories and licences your drivers hold.
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 Type | Best For | Minimum Vehicles | Common 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 |
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.
We'll guide you through the claims process and liaise with insurers when needed.
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.

4.9 rated broker

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.
Tell us about your HGVs
Vehicle weights, types, and whether you run own-account or haulage for hire.
Tell us about your operation
Your O-licence, routes, what you carry, and driver CPC status.
We compare HGV fleet insurers
Insurers who understand haulage, operator licensing and goods in transit.
Manage it on one policy
Tractor units and trailers on one policy with a single renewal.
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
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.

Unveiling the Key Secrets to Commercial Truck Insurance Coverage
Being a commercial truck owner comes with its own set of unique challenges. Commercial truck insurance gives you peace of mind and ensures your business and vehicle are covered in the event of a claim. This 2-minute blog will dive into the considerations of commercial truck insurance tailored to the specific needs of your business.

How To Lower The Cost Of Lorry Insurance Without Losing Cover
Running a haulage business involves significant costs. Fuel, maintenance, and compliance all impact your budget, and insurance can feel like another unavoidable expense. However, there are safe and effective ways to reduce the cost of lorry insurance without compromising on protection.

Lorry Insurance Explained: What It Covers And Why Haulage Businesses Need It
Operating a lorry or HGV is more than just driving from point A to point B. Every mile comes with responsibility for expensive equipment, valuable cargo, and public safety. Without the right insurance, one accident can put your entire operation at risk. That is why lorry insurance is essential for any business that transports goods.

Why Every UK Haulage Business Needs Specialist HGV Insurance
Running a haulage business in the UK is complex and competitive. Heavy goods vehicles (HGVs) keep supply chains moving, but they also face unique risks on the road and at depots. Standard commercial vehicle cover often leaves costly gaps.

HGV Insurance Explained: Protecting Your Lorries, Drivers and Business
Running a haulage business means taking on constant risk. From long motorway journeys to city centre deliveries, every mile carries exposure to accidents, damage, and costly claims. HGV insurance is designed to protect your vehicles, your drivers, and your company’s reputation.

Truck Insurance UK: 6 Essential Covers Every Haulage Business Should Know
Running a haulage or transport business means managing high-value vehicles, time-sensitive deliveries and constant road risks. Truck insurance protects your fleet from accidents, theft and unexpected claims.

Top 5 Truck Insurance Mistakes UK Haulage Operators Must Avoid
Running a haulage business in the UK is challenging enough without dealing with the wrong truck insurance. Rising fuel costs, stricter road safety laws and supply chain pressures mean your vehicles need reliable protection. Yet many operators unknowingly take out policies that leave gaps in cover.

What Is CMR Insurance?
CMR Insurance is a type of cover which allows hauliers and couriers to legally carry goods within Europe. CMR Insurance ensures goods carriers comply with the CMR Convention, ‘Convention on the Contract for the International Carriage of Goods by Road’, in full, an EU law requiring goods carriers to produce a CMR consignment at customs and when unloading.

Operator Licences: What Are They?
Operator licenses are required if you want to drive a heavy goods vehicle. The reason that operator licenses were introduced was to help ensure the safety of all road users when goods vehicles are being operated.
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.