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7.5 Tonne Lorry Insurance

7.5 Tonne Lorry Insurance

Specialist cover for 7.5t rigids, the first truck for many operators, and the last one you can drive on a C1 licence.

Specialist cover for 7.5t rigids, the first truck for many operators, and the last one you can drive on a C1 licence.

Enter your lorry registration

C1 licence drivers
Tail lifts covered
C1 & Owner-Driver Specialists
Tacho & O-licence

Specialist cover for 7.5 tonne operators across the UK

Speak to an adviser about your lorry 0330 808 0884

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 7.5 tonne lorry insurance?

7.5 tonne lorry insurance is commercial motor cover for rigid goods vehicles at the 7.5t weight limit. It covers the lorry, any trailer and third parties, and can be extended with goods in transit and liability cover depending on whether you carry your own goods or work for others.

At 7.5 tonnes you’re over the 3.5t operator licensing threshold, so the paperwork changes as well as the insurance.

Your 7.5t insurance depends on:

Body type and build
Own goods or haulage
Driver age and C1 experience
Goods you carry
Where the lorry is parked
Number of vehicles
A man getting into a car outside an office building

Who runs 7.5 tonne lorries?

Who runs 7.5 tonne lorries?

7.5 tonne rigids are the workhorse for removals firms, builders, local distribution and owner-drivers, and each is rated differently.

7.5 tonne rigids are the workhorse for removals firms, builders, local distribution and owner-drivers, and each is rated differently.

Owner-Drivers

Drivers running their own 7.5t rigid on sub-contract or local work.

Removals & Storage

Household and office removals firms using box bodies and tail lifts.

Builders & Merchants

Carrying materials, plant and deliveries for your own business.

Local Distribution

Multi-drop and palletised deliveries around a town or region.

Event & Exhibition

Moving staging, equipment and stock to venues and sites.

Small Fleets

Operators running several 7.5t lorries on one policy.

What do you use your 7.5 tonne for?

Own goods, haulage and removals are licensed and insured differently, so start with the work your 7.5 tonne does.

Trade use

Own goods

Best for

Your own materials and stock
Builders and merchants
Deliveries to your own jobs
Restricted O licence usually applies
Delivery use

Haulage and deliveries

Best for

Carrying goods for payment
Multi-drop and pallet work
Contract distribution
Standard O licence usually applies
Courier/ hire & reward

Removals and specialist loads

Best for

Household and office removals
Box bodies and tail lifts
High-value customer goods
Storage and packing work

One lorry or a small fleet?

Owner-drivers with one lorry and small operators with several are rated differently, mainly on drivers and how vehicles are shared.

Single Van Insurance
Single 7.5 Tonne

Best when

You run one lorry
You drive it yourself
You want a dedicated policy
Local or regional work
Get a Single Lorry Quote
Van Fleet Insurance
7.5 Tonne Fleet

Best when

You run two or more lorries
Drivers share vehicles
You want one renewal date
Vehicles added mid-term
Explore HGV Fleet Insurance

Licence and operator checks at 7.5 tonnes

A 7.5t rigid sits above the light goods threshold, so both your driving licence and your operator duties change.

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C1 driving licence

Drivers need category C1 to drive a 7.5 tonne lorry. Licences issued before January 1997 usually include it; anyone who passed later needs to take the C1 test.

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Operator licence

Goods vehicles over 3.5 tonnes used for business need an operator’s licence, restricted for your own goods, standard if you carry goods for payment.

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Tachograph and drivers’ hours

Most 7.5t work falls under drivers’ hours rules and needs a tachograph, with some exemptions depending on the work.

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Driver CPC

Drivers using a 7.5t lorry professionally usually need a Driver CPC alongside their C1 entitlement.

Start Your Quote
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Not sure what applies to you?

Our advisers can check your setup before you get a quote.

Speak to a Specialist

First 7.5 tonne after driving vans?

First 7.5 tonne after driving vans?

Moving up from 3.5t changes your licence, your operator duties and your insurance. We’ll walk you through all three.

Moving up from 3.5t changes your licence, your operator duties and your insurance. We’ll walk you through all three.

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Protect the lorry, the load and your liability

Protect the lorry, the load and your liability

A 7.5 tonne policy has three parts: the lorry, the goods you carry and your liability when loading, unloading and on site.

A 7.5 tonne policy has three parts: the lorry, the goods you carry and your liability when loading, unloading and on site.

Third party, third party fire and theft or comprehensive cover for the lorry itself.

Worker in high-visibility vest loading shrink-wrapped pallets into a delivery truck with a pallet jack at an industrial warehouse.

How much is 7.5 tonne lorry insurance?

7.5 tonne lorry insurance has no fixed price. It depends on your drivers’ C1 experience, whether you carry your own goods or work for others, the body type and value, your mileage and radius, overnight parking and your claims record.

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Your experience

How long drivers have held C1 entitlement, and their HGV driving history.

Gold speedometer icon with a needle pointing left, representing speed, performance, or dashboard metrics.

Radius and mileage

Local multi-drop work is rated differently to national trunking.

Gold outline icon of a closed cardboard box with a taped top on a black background.

Own goods or haulage

Carrying goods for payment is rated higher than moving your own materials.

Gold letter P inside a gold circle on a transparent background.

Overnight parking

A secure yard or operating centre reduces theft and damage risk.

Gold outline icon of a delivery truck with two wheels on a transparent background

Body type and value

Box bodies, curtain siders, tippers and tail lifts all affect the price.

Gold shield icon with a check mark in the center, symbolizing security, protection, or verified status.

Claims history

Previous claims and convictions push premiums up for several years.

Advisers discussing van insurance cover

Why use Insurance Revolution for 7.5 tonne cover?

We arrange cover for first-time operators and established firms, with advisers who understand C1 drivers and operator licensing.

Specialist HGV insurers
Experienced commercial advisers
Cover for new operators
Own goods and haulage options
Single vehicle and fleet cover
Goods in transit and liability

How to insure a 7.5 tonne lorry

How to insure a 7.5 tonne lorry

Tell us about the lorry, your licence and the work you do, and we’ll compare specialist insurers.

Tell us about the lorry, your licence and the work you do, and we’ll compare specialist insurers.

1

Tell us about your lorry

Make, body type, value and any tail lift or trailer.

2

Share your operation

Own goods or haulage, your radius, mileage and drivers.

3

We compare specialist insurers

We search HGV insurers for the right cover and price.

4

Get covered and loading

Choose your policy and receive your documents the same day.

We're with you all the way

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

Carrying goods for payment?

Carrying goods for payment?

Haulage work usually needs a standard operator’s licence plus goods in transit cover alongside your motor policy.

Haulage work usually needs a standard operator’s licence plus goods in transit cover alongside your motor policy.

Open delivery truck at a warehouse, packed floor to ceiling with cardboard boxes and parcels ready for shipping

Trusted by owner-drivers and operators across the UK

Trusted by owner-drivers and operators across the UK

From a first 7.5 tonne rigid to a small fleet of lorries, 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 small fleet of lorries, our customers trust Insurance Revolution to find the right cover and expert support when it matters.

7.5 tonne and HGV guides

7.5 tonne and HGV guides

Practical advice for C1 drivers and small operators on cover and licensing.

Practical advice for C1 drivers and small operators on cover and licensing.

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7.5 tonne lorry insurance FAQs

7.5 tonne lorry insurance FAQs

Straight answers on cover, licences, cost and what a 7.5t policy includes.

Straight answers on cover, licences, cost and what a 7.5t policy includes.

Yes. Category C1 covers vehicles between 3.5 and 7.5 tonnes. Drivers who passed their car test before January 1997 usually have C1 already; anyone who passed later needs to take the C1 test.

Still not sure what cover you need?

Our HGV specialists can match cover to your lorry and the work you do.