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.
HaulageInsurance
Haulage Insurance
Cover built around haulage businesses, the trucks, the loads you carry for other people, and the liabilities that come with an operator’s licence.
Cover built around haulage businesses, the trucks, the loads you carry for other people, and the liabilities that come with an operator’s licence.
Goods in transitEuropean workOwner-drivers welcome
Standard O-licence
Speak to a specialist 0330 808 0884
What is haulage insurance?
Haulage insurance is the set of separate policies a business needs to carry goods for payment. Motor cover for the trucks, goods in transit for the loads, and the liability cover that customers and operator licensing expect are each arranged in their own right, not bundled into a single policy. We quote the ones you need and manage them together.
Carrying other people’s goods for payment usually means a standard operator’s licence and goods in transit cover, not just a truck policy.
Your haulage insurance depends on:
Number and weight of vehiclesGoods you carryNumber of employeesOperating radius and EuropeWarehousing or storageContracts and customer terms
What haulage insurance can include
What haulage insurance can include
Most hauliers need motor, transit and liability cover working together. These are the main parts.
Most hauliers need motor, transit and liability cover working together. These are the main parts.
Motor Cover
Third party to comprehensive cover for your trucks, trailers and drivers.
Goods in Transit
Protects customers’ loads against loss, theft and damage while you carry them.
Public Liability
Covers injury or damage caused at customer sites, yards and during delivery.
Employers’ Liability
A legal requirement once you employ drivers, loaders or yard staff.
Premises & Contents
Cover for your yard, office, workshop and the equipment you keep there.
Legal Expenses
Help with uninsured loss recovery and defending claims.
What could go wrong in a haulage business?
What could go wrong in a haulage business?
Haulage claims usually involve the load rather than the truck: goods damaged or stolen in transit, injuries during loading, and damage at customer premises.
Haulage claims usually involve the load rather than the truck: goods damaged or stolen in transit, injuries during loading, and damage at customer premises.
Real haulage risks. Real cover.
Real haulage risks. Real cover.
These are the claims hauliers make most often, and the part of the policy that responds to each.
These are the claims hauliers make most often, and the part of the policy that responds to each.
Goods damaged in transit
A customer’s load is damaged, stolen or lost before it’s delivered.
Potential cover
Goods in Transit
Collision on a job
One of your trucks is involved in an accident while loaded.
Potential cover
Motor + Goods in Transit
Driver injured loading
An employee is hurt loading or sheeting a trailer.
Potential cover
Employers’ Liability
Damage at a customer site
A truck damages a customer’s premises during delivery.
Potential cover
Public Liability
How much is haulage insurance?
Haulage insurance has no fixed price. It depends on your fleet size and vehicle weights, the goods you carry, the transit limits your contracts require, your operating radius, your drivers and your claims history.
Fleet size and weights
More trucks, and heavier ones, mean more exposure across the policy.
Radius and Europe
National trunking and European work are rated differently to local distribution.
Goods you carry
High-value, hazardous or temperature-controlled loads cost more to insure than general pallets.
Drivers and employees
Driver ages, experience, agency use and staff numbers all feed into the price.
Transit limits
The limit per vehicle and per load you need for your contracts drives the transit premium.
Claims history
Transit and motor claims both affect renewal terms for several years.
How to insure a haulage business
How to insure a haulage business
Tell us what you carry, where you run and how many trucks you have, and we’ll compare specialist insurers.
Tell us what you carry, where you run and how many trucks you have, and we’ll compare specialist insurers.
1
Tell us about your fleet
Vehicle weights, body types, trailers and values.
2
Share what you carry
Goods types, values, customers and your operating radius.
3
We compare specialist insurers
We search haulage insurers for motor, transit and liability cover.
4
Get covered and trading
Choose your policy and receive your documents the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by hauliers and transport operators across the UK
Trusted by hauliers and transport operators across the UK
From owner-drivers to multi-truck haulage firms, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
From owner-drivers to multi-truck haulage firms, our customers trust Insurance Revolution to find the right cover and expert support when it matters.
Haulage guides
Haulage guides
Practical advice for hauliers on cover, licensing and claims.
Practical advice for hauliers on cover, licensing and claims.
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Haulage insurance FAQs
Haulage insurance FAQs
Straight answers on haulage cover, transit limits, licensing and cost.
Straight answers on haulage cover, transit limits, licensing and cost.
Haulage insurance is not one policy. It is the separate policies a haulier needs, usually motor cover for the trucks, goods in transit for the loads, and public and employers’ liability. Each is arranged on its own and we manage them together under one point of contact.
Still not sure what cover you need?
Our haulage specialists can build cover around your trucks and contracts.