HGV Fleet Insurance | Jensten Insurance Brokers
Feefo logo
Feefo logo

HGV Fleet Insurance

HGV Fleet Insurance can cover many risks that businesses may face. Jensten Insurance Brokers can advise on and arrange cover to help mitigate those risks.

What is HGV Fleet Insurance?

HGV Fleet Insurance, also known as Truck Fleet Insurance, allows the owners of two or more HGVs to insure them on one policyNot only does it allow owners to drive their vehicles on the road, but it can offer the following policy elements: 

  • Accidental Damage 
  • HGV Breakdown Cover 
  • Goods-in-Transit Insurance  
  • Hauliers’ Liability Insurance 
  • Public Liability Insurance  
  • Employer’s Liability Insurance 
  • Engineering Insurance  

Need HGV Fleet Insurance?

For comprehensive HGV Fleet Insurance

What does HGV Fleet Insurance cover?

An HGV Fleet Insurance quote from Jensten Insurance Brokers can be tailored to your fleet’s needs and offer comprehensive protection on a single policy.  Whether you’ve got 2 trucks or 200, work in haulage or logistics, or are doing domestic or European runs, we can help you find great cover from quality insurers that can include: 

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

European Cover

Will insure your trucks whether they’re at home or doing runs in Europe.

Goods in Transit Insurance

Goods in transit (GIT) insurance offers protection if you or your customer’s property or goods are lost, damaged or stolen while they’re being moved from one place to another. For example, when they’re being transported from a factory or workshop to a retail outlet, business premises or private property.

Legal Protection Insurance

If someone makes a compensation claim against you or your company, legal fee cover will cover the cost of defending your case.

Loss of Licence

If you were to lose your licence, loss of licence cover would compensate you for losses for an agreed period.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Truck Breakdown and Recovery Insurance

This important policy element will cover the cost of getting specialist help to you should one of your HGVs break down while on a job. 

Truck Insurance

Truck fleet insurance can cover you to drive your vehicles on the road.

Why use Jensten


A team that understands business vehicle insurance


We are the trusted broker to businesses


Tailored insurance to the needs of your business

Talk to the experts

Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


Contact us on our website whenever suits you

Call our insurance experts during office hours (calls are charged at a local rate)


Find answers to common insurance questions

How to save on HGV Fleet Insurance

At Jensten Insurance Brokers, we’re committed to finding our clients a great deal on quality cover.  Having provided many, many HGV Fleet Insurance quotes, we’ve learned a thing or two about how to save money on your HGV Fleet Insurance policy, including: 

1.  Get some independent advice – some policies will include add-ons you don’t need, and removing them can help you save money.  It’s important to make sure you aren’t over or underinsured, though.  If you are underinsured, you may face a significant shortfall in the event of a claim, and if you’re overinsured, you may be paying more than you need to.  Either way, it pays to get some independent insurance advice 

2. Search and compare – or better still, get an independent broker such as Jensten Insurance Brokers to do the comparison for you.  With our specialist knowledge and insurer contacts, we can help you get the right cover at the right price.  To get an HGV Fleet Insurance quote, call us on 0800 368 9018, request a callback, or start your Truck Fleet Insurance quote today. 

3. Consider your drivers – avoid insuring younger drivers and those with poor claims histories. Also, while any driver option is convenient, it could prove more expensive than a named driver policy. 

4. Build up your no-claims bonus – or you may be able to transfer your existing one to your new policy.

5. Raise your excess – raising your excess – the amount you pay in the event of a claim can reduce your premiums.  If you have a good (low) claims history, this can be a good way of cutting your HGV fleet quotes.

How much does HGV Fleet Insurance cost?

As we’ll create your cover around you and your business, and given the different types of policies on offer, there’s no simple answer to that question.  What we can say is that your HGV Fleet Insurance quote will be based on factors such as: 

  • The number of vehicles you want to insure. 
  • The value of your vehicles. 
  • Whether you have any employees. 
  • If you have any employees. 
  • The turnover of your business. 
  • The nature of your business and the projects you do – European runs may push your premiums up. 
  • The type of work you are doing and the value of your loads. 
  • The size of the clients you work with. 
  • Your claims history. 
  • The age and condition of your trucks. 
  • The age of your drivers. 
  • Whether you choose a named or any-driver policy. 


For some personalised HGV Fleet Insurance help, please get in touch.  Our friendly team will be able to give you all the advice you need and provide you with an HGV Fleet Insurance quote. 

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need HGV Fleet Insurance?

For comprehensive HGV Fleet Insurance

HGV Fleet Insurance

HGV Fleet Insurance can be complex, so to help you get the cover you need, here are the answers to some frequently asked questions about it.  We hope they’ll prove helpful, but if you’d like some advice that’s tailored to your needs, please call us on 0800 368 9018, request a callback, or start your HGV Fleet Insurance quote today. 

Thanks to our flexible approach to our clients, we can offer an HGV Fleet Insurance quote to a range of businesses with two or more trucks to insure, including:

  • Haulage contractors 
  • Construction firms 
  • Logistics businesses 
  • Removals firms 
  • Manufacturers 
  • Distribution companies 


If you’d like to know more about our HGV Fleet Insurance or would like an HGV Fleet Insurance quote that’s built around your needs, call us on 0800 368 9018, and our insurance specialists will be happy to help. 

At Jensten Insurance Brokers we’ve helped plenty of fleet owners get the specialist cover they need. In doing so, we’ve developed a deep understanding of your industry, and working with us offers you the following advantages:  

  •        Specialist advice from experienced Fleet Insurance professionals
  •        HGV Fleet Insurance that’s tailored to your business’s needs
  •        Help should you need to make a claim  
  •        Independent service from a 4.8/5 feefo-rated broker*

No, but you’ll obviously need Truck Insurance if you want to drive your HGVs on the roadIf your business has any staff, then you must have a minimum of £5m Employers’ Liability Insurance; that is a legal requirement.

You’ll need to have at least two HGVs in need of cover. If you want to drive anything over a 3.5-tonne truck, an operator’s licence is required whether you are carrying your own goods or goods for hire, and reward.

Because accidents happen.  Accidental damage to property, injury to a third party, stolen or damaged equipment and other unexpected events could lead to your business losing money and affect your business’s operations 

That will depend on the level of protection your business requires, the services you offer, if you have any employees, the number of trucks you need to cover, your drivers’ ages, your claims history, etc.  If you would like to get an HGV Insurance quote, call us on 0800 368 9018 or start your quote here.

A. Yes, several HGV Fleet policy add-ons are worth considering.  These include Goods-in-Transit, Truck Breakdown and Recovery, Loss of Licence, and Public Liability Insurance, to name but a few.

Yes, most insurers won’t cover drivers under the age of 21 and getting cover for drivers over 69 can also be difficult. 

Yes, if the no-claims bonus was earned on HGVs in the UK, transferring it should be no issue.   

Getting a quote is easy.  Call Jensten Insurance Brokers on 0800 368 9018, and the team will be happy to arrange a Truck Fleet Insurance quote for you.

If you’d like some HGV Fleet Insurance help, please give us a call on 0800 368 9018.  Our friendly team will be happy to help you get the protection you need and offer you an HGV Fleet Insurance quote.