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Quote Me Today Truck Insurance
Whether you want to insure individual vehicles or an entire fleet, you'll find a competitively priced policy with Quote Me Today. Helping you find the right level of road, goods and liability protection to keep your drivers on the road and your business moving. All you need is an operators licence to take advantage of Quote Me Today's low rates.
It’s a legal requirement to have appropriate insurance If you take a heavy goods vehicle (HGV) on the road. It’ll protect you, other drivers and any third parties.
Your lorry will need to be covered, even if you don’t intend to drive it, unless you’ve registered it as being off the road with a Statutory Off Road Notice (SORN).
This applies if you’re an owner-operator looking to insure a single truck or a fleet owner looking to cover all your lorries.
As with other types of vehicle insurance, there are three main levels of cover for HGVs. Check the terms of your own policy carefully to find out exactly what is and isn’t included.
Policies vary, but may include these extra features either as standard, or for an additional premium:
It’s likely you’ll need to insure your HGV for commercial use, but make sure you describe how you use it correctly to your insurer.
If you transport your own tools or equipment to jobs in your HGV. For example, if you’re a builder using your truck to carry your own large tools and equipment to a site.
It won’t cover you for transporting anything belonging to someone else.
Haulage insurance tends to be for drivers taking a single load to a drop point a distance away. For example, collecting a shipment of goods from a port and transporting it to a depot.
It can include goods in transit insurance, which covers the transportation of goods belonging to someone else.
Reward or hire classification tends to apply to drivers delivering to many addresses. This could include courier work, or a delivery driver dropping off goods to a number of different customers.
As with haulage insurance, it can cover goods in transit, so you’re insured to transport someone else’s property.
The differences between haulage and carriage of goods for hire or reward are subtle, and policy wording may even be identical.
If in doubt, contact your insurer to check you’ve got the right cover for how you use your truck.
Telematics policies use a black box or mobile phone app to calculate premiums based on the standard and nature of your driving.
The telematics app or device will track things like braking, acceleration and how long you spend driving. This information will then be used to assess whether your premium gets cheaper or more expensive. The better your driving, the cheaper your insurance will be.
It’s popular with commercial fleets, where it can be used to monitor the performance of different drivers.
If you have a number of HGVs, insuring them all as part of a fleet may well be cheaper and more convenient than covering them individually.
Insurers will have different criteria regarding how many trucks you need to make up a fleet, but this can be as low as two. There’s also likely to be a cap placed on the number of lorries that make up a fleet, but this may run into hundreds, or even thousands.
There are a few things you can try to cut the cost of your truck insurance:
You can also try these tips that can save you money on any type of motor insurance:
The type of insurance you need will depend on the size and weight of your vehicle.
Light goods vehicles (LGVs) have a maximum gross weight of 3.5 tonnes and are usually van or pick-up type vehicles, rather than lorries. If you don’t use your LGV commercially, you might find that a private van insurance policy is right for you, not truck insurance.
Heavy goods vehicles (HGVs) are usually lorries and have a gross weight in excess of 3.5 tonnes. HGVs are typically used for commercial purposes.
Insurers tend to cap HGV policies at 44 tonnes - if your vehicles weighs more than that, you’ll probably need a specialist policy.
Confusingly, some insurers will use ‘LGV’ to mean ‘large goods vehicle’, which is the same as an HGV.
All drivers on the policy will need to hold the appropriate professional driving qualification called the Driver Certificate of Professional Competence (CPC).
If HGVs are used to carry goods for business, depending on the weight of the vehicle and other criteria, then drivers will be required to hold an appropriate operator’s licence too.
Using your HGV to carry hazardous goods is typically an exclusion on many policies.
There are insurers who’ll cover the transit of hazardous material, but make sure you know this is included in the terms and conditions of your policy. If in any doubt, speak to the insurer before taking out your cover.
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We do not offer a full comparison service on truck insurance at Gocompare.com but instead have provided links to some companies that offer truck insurance quotes. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
Gocompare.com introduces customers to Quote Me Today and Haul-in-One. Both providers are authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with Quote Me Today and Haul-in-One is limited to that of a business partnership, no common ownership or control rights exist between us