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 & TruckInsurance
HGV & Truck Insurance
Specialist cover for HGVs, trucks and lorries, from a first 7.5 tonne rigid to an artic fleet, for own-account work and haulage.
Specialist cover for HGVs, trucks and lorries, from a first 7.5 tonne rigid to an artic fleet, for own-account work and haulage.
Enter your vehicle registration
Over 3.5 tonnesTrailers declaredO-licence guidance
Own goods or haulage
Speak to a specialist 0330 808 0884
What is HGV and truck insurance?
HGV insurance, also called truck or lorry insurance, is commercial motor cover for goods vehicles over 3.5 tonnes. It covers the vehicle, trailers and third parties, and is usually arranged alongside goods in transit and liability cover for the work the truck actually does.
Whether you call it HGV, truck or lorry insurance, it’s the same product, what changes is the weight, the body type and the work you do.
Your truck insurance depends on:
Weight and body typeOwn goods or haulageTrailers you pullDriver ages and experienceWhere trucks are parked overnightNumber of vehicles
Cover for every kind of truck
Weight, body type and the work you do all change the cover you need. Start with the truck closest to yours.
Whatever you run
Rigids, artics and specialist bodies can all be covered on one policy.
7.5t rigid
18t rigid
Artic
Tipper
Flatbed
Different trucks. The same need for the right class of use.
Owner-driver, small operator or haulier?
Insurers rate transport businesses by size and by class of use, so start with how many trucks you run and whether you carry your own goods or work for hire and reward.
Choose how your drivers are covered
How drivers are listed on the policy affects both price and flexibility.
Insurance is only part of running trucks legally
Operator licensing, tachographs and maintenance all sit alongside your insurance, and insurers look at how well you manage them.
Operator compliance checklist
O licence in placeTransport manager for standard licencesMaintenance and inspection recordsDriver CPC up to dateOperating centre parkingFinancial standing evidence
When things go wrong, we’re here to help
We’ll guide you through a truck claim, from the first call to getting the vehicle back on the road.
How to insure an HGV
How to insure an HGV
Tell us about your trucks, your licence and the work you do, and we’ll compare specialist insurers.
Tell us about your trucks, your licence and the work you do, and we’ll compare specialist insurers.
1
Tell us about your trucks
Weights, body types, trailers and values.
2
Share your operation
Carriage of own goods or hire and reward, your radius, mileage and drivers.
3
We compare specialist insurers
We search HGV and haulage insurers for the right terms.
4
Get covered and moving
Choose your policy and receive your documents the same day.
We're with you all the way
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by hauliers and truck operators across the UK
Trusted by hauliers and truck operators across the UK
From a first 7.5 tonne rigid to a full haulage fleet, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From a first 7.5 tonne rigid to a full haulage fleet, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
HGV and truck guides
HGV and truck guides
Practical advice for owner-drivers and hauliers on cover, licensing and cost.
Practical advice for owner-drivers and hauliers on cover, licensing and cost.
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.
HGV and truck insurance FAQs
HGV and truck insurance FAQs
Straight answers on cover, cost, licensing and what a truck policy includes.
Straight answers on cover, cost, licensing and what a truck policy includes.
HGV insurance, also called truck or lorry insurance, is commercial motor cover for goods vehicles over 3.5 tonnes. It covers the vehicle, any trailer and third parties, and can be extended with goods in transit and liability cover.
Still not sure what cover you need?
Our HGV specialists can match cover to your trucks and the work you do.