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Looking For HGV fleet insurance?

Need an HGV fleet insurance quote?  Let the truck insurance specialists at Jensten Insurance Brokers compare our markets to find you the cover you need.  Our team can help you with all forms of HGV fleet and motor fleet insurance offering comprehensive cover for fleets of two more trucks.   To get your truck fleet insurance quote, call 0115 672 2468 or start your HGV fleet insurance quote today.

For comprehensive HGV fleet insurance, call 0800 368 9018

What Is HGV Fleet Insurance?

HGV fleet insurance, also known as truck fleet insurance, is a specialist form of cover designed to meet the needs of HGV owners with two or more lorries to insure.   A typical policy gives owners of multiple heavy goods vehicles the cover they need to drive their trucks on the road and affords them a range of helpful options, such as truck breakdown insurance and goods in transit insurance. 

Truck Fleet

What Types Of Vehicles Can HGV Fleet Insurance Cover?

Like standard fleet insurance, truck fleet insurance can cover a surprisingly wide range of vehicles, including:

    • Trucks and HGVs of 3.5t up to 200 GVW
    • Bulk Carriers
    • Electric and Hybrid Trucks
    • Low Loaders
    • Flatbeds (with or without lifting equipment)
    • Horseboxes
    • Tankers
    • Breakdown trucks
    • Skip carriers
    • Tippers
    • Gritter lorries
    • Curtain sides lorries
    • Cement Mixers

What Types Of Truck Fleet Insurance Are There?

As with car insurance, there are three main types of HGV fleet cover:

    • Third-party – the minimum legal requirement; this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault
    • Third-party, fire, and theft – this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault or if a truck is accidentally destroyed by fire or stolen
    • Fully comprehensive – provides the same cover as third-party, fire, and theft but offers the added protection that if an incident is your fault, then repairs to your vehicle will be covered

In addition to the above, the following options are available:

    • Public liability – if one of your drivers accidentally injures a member of the public or damages someone’s property, they can bring legal action against you for compensation.  Public liability insurance of between £1m and £10m can protect you from any financial losses should this happen.   This is a handy policy element for operators who have a lot of vehicles on the road at any one time
    • Goods in transit – goods in transit insurance protects cargo while moving.  So, if it is lost, stolen, or damaged while in your possession, it will be insured.  Coversure can offer goods in transit policies that cover owned goods and goods being moved for payment and can even cover cargo while stored with you
    • European cover – many haulage companies and HGV drivers still do European runs. European cover will insure your trucks whether they’re at home or abroad
    • Loss of licence – if you were to lose your licence for a period, loss of licence cover would compensate you for an agreed period
    • Legal protection – should someone make a compensation claim against you or your company, legal fee cover will provide funds for you to defend your case
    • Breakdown recovery – given that your vehicles are your livelihood and the potentially high cost of recovery in the event of one of them breaking down, this is a wise policy option

 What Are The Advantages Of HGV Fleet Insurance?

There are many advantages to HGV fleet insurance through Jensten Insurance Brokers, and these include the following:

    • Save money – by insuring multiple vehicles on a single policy, you could enjoy cost-per-vehicle savings
    • Save time – with only one policy to administer and renew, a fleet policy could save you time
    • Enjoy greater vehicle flexibility – you can add or remove vehicles and drivers as you need to without getting a new HGV fleet insurance quote and policy.  You can also insure your entire team or family members to drive your vehicles
    • Get cover for complex driving risks – whether you need cover for young or newly qualified drivers or even those with a chequered claims history, an any-driver policy could enable you to insure all your truck drivers

How Much Does HGV Fleet Insurance Cost?

The cost of your truck fleet insurance policy will depend on factors such as:

    • The number of vehicles you want to insure
    • The value of your vehicles
    • 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 – an any-driver policy is convenient but may push your premiums up

For some personalised HGV truck insurance help, please get in touch with the Jensten Insurance Brokers team today.  They’ll be able to give you all the advice you need and provide you with an HGV fleet insurance quote.

HGV Fleet Insurance FAQ

This is one of the more complex motor insurance cover areas, so to help you get the protection you need, here is our truck fleet insurance frequently asked questions.  We hope they will help, but if you’d like some independent advice, please call us on 0115 930 3030, and the team will be happy to help.

Speak To Our Specialists About HGV Fleet Insurance

If you’d like some HGV fleet insurance help or a truck fleet insurance quote, contact the Jensten Insurance Brokers team today.  Our team of experienced insurance specialists can give you all the help you need and can compare our markets to find you the cover you require.  To get your HGV fleet insurance quote, call 0115 672 2468 or start your truck fleet insurance quote today.

Testimonials

Service comes first at Jensten Insurance Brokers, and as the following Feefo testimonials show, when it comes to tour operator insurance, we’re the team you can trust with your business.

Feefo reviews 5 gold stars

5 Star

Exactly what I required without any of the faff and unwanted stuff.  Very, very competitive and a very good price.

Mr. Carter

Feefo reviews 5 gold stars

5 Star

Ideal cover for my situation with a reputable company.

Mr. Woodford

Feefo reviews 5 gold stars

5 Star

Best price by far, documents sent promptly.

Mr. Schofield

Feefo reviews 5 gold stars

5 Star

It’s such an easy uncomplicated way to insure with these guys and gals and there always happy on the phone.

Mr. Richardson

Feefo reviews 5 gold stars

5 Star

Again, can’t fault them.  Kyle and the team help us.

Mr. Hall

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                            • IMPORTANT UPDATE FROM LLOYD’S

                              Lloyd’s is proposing to transfer certain EEA insurance policies to Lloyd’s Brussels. The proposed transfer will not change terms and conditions of any policy, except that Lloyd’s Brussels will become the insurer and Data Controller in respect of the transferred policies.

                              Further information about the proposal (including whether it could affect your pre-transfer position), which policies are transferring, your rights and what you need to do can be found at www.lloyds.com/brexittransfer

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