HGV & Single Truck Insurance
Compare Specialist Quotes for 2026
Compare specialist insurance for heavy goods vehicles, including rigids, artics, and tractor units. Whether you’re an owner-operator or managing a large haulage fleet, get competitive cover tailored to your HGV and business requirements.
HGV & Truck Insurance Quotes
Specialist cover for vehicles over 7.5t
Quotes are provided by a panel of FCA-regulated insurance providers.
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Specialist cover for HGV and truck operators
Compare quotes for a single lorry or a full haulage fleet, from 3.5t up to 44t.
- Cover for HGVs, rigids and 44 tonne artics
- Single vehicle and multi-vehicle fleet policies
- New venture and first-time operator specialists
- Comprehensive, third party fire and theft, and third party only cover
- Access to a panel of specialist commercial vehicle brokers
- One quick form, multiple quotes, no obligation
Why compare Single Truck insurance at MultiQuoteTime?
HGV and truck insurance is specialist by nature. Pricing varies hugely by weight class, licence category and how the vehicle is actually used, and mainstream insurers often aren’t set up to rate commercial goods vehicles accurately at all.
Going direct to a single insurer means accepting whatever rate and terms they offer, with no easy way to check it against the rest of the market. A specialist panel that works with HGV and truck operators every day has a clearer read on how weight class, operator licensing and vehicle use affect price.
MultiQuoteTime can provide access to a panel of specialist commercial vehicle brokers, covering everything from a single rigid to a full haulage fleet. If you’re insuring one vehicle rather than a fleet, our dedicated guide to 7.5 tonne lorry insurance covers the most common weight bracket for owner-operators in detail.
Eamonn’s Take
Eamonn Turley · Commercial Insurance Editor, MultiQuoteTime
I still see operators treat Driver CPC as a paperwork formality rather than something insurers actively check. If a driver’s CPC card has lapsed and you have a claim, insurers can decline it outright, not reduce the payout, decline it entirely. Build CPC renewal into the same admin cycle as MOT and tax reminders, not something you only think about once a year.
Guide To Truck Insurance Cost
Finding truck insurance is now easier than ever, with multiple truck insurance providers offering attractive and very competitively priced policies. Multi Quote Time provides you access to a simple form which once completed is submitted to a specialist panel of brokers. The panel of UK brokers will provide multiple quotes for your UK Truck and HGV insurance requirements. The panel can provide quotes for the following truck categories.
UK HGV Classes & Weight Categories Explained
Premium ranges are approximate and based on typical UK quotes. Actual costs depend on driver experience, claims history, goods carried and other factors.
HGV Classes Explained – Class 1 vs Class 2
Class 2 covers rigid vehicles (3.5t–32t) requiring a Category C licence — think 7.5t lorries, skip lorries and tippers. Class 1 covers articulated vehicles (32t–44t) with a detachable trailer, requiring a Category C+E licence. Class 1 premiums are typically higher due to greater vehicle value and road risk. Both classes require a valid Driver CPC for commercial use. For the full breakdown of every category, including grandfather rights for pre-1997 licences, Driver CPC requirements and how licence class affects your premium, see our guide to HGV licence classes explained.
HGV Insurance Levels of Cover
There are 3 types of cover a driver or trucking business owner can take out to cover one of these large vehicles. This includes;
Third-Party Only (TPO)
Third Party is minimal cover required by UK law.
Despite being the most basic option, it’s not always the cheapest. Insurers often price third-party-only higher, since operators who choose minimum cover tend to be viewed as higher risk.
Third-Party, Fire, and Theft (TPFT)
Third Party Fire and Theft adds protection if the lorry is damaged by fire or is stolen.
TPFT usually sits in the middle of the market on price. For older or lower-value trucks it’s often the better balance, since comprehensive’s extra repair cover matters less on a vehicle that’s already depreciated significantly.
Comprehensive Cover
Comprehensive cover includes third party cover plus fire and theft of your own vehicle. In addition, it will also cover the repair of your own vehicle and cover for any property damage.
Tip: For most truck owners, comprehensive is often the best value. The relatively small premium difference buys you cover for the thing most likely to happen: accidental damage.
Types of Truck Insurance add-ons
Like most insurances, there are different policies add-ons depending on your requirements. Below, we’ve mentioned some of the most common coverages you are able to purchase for these types of vehicles.
Public Liability
If you cause an accident, having a public liability insurance policy will cover for claims made by a third party for injury or property loss or damage.
European Cover
If you or your fleet travel to various countries around Europe, it’s recommended to get European cover, as this will insure your trucks when they’re abroad. This policy type includes breakdown cover, roadside assistance, hire cars for onward travel and much more.
The best time to add European cover is before you book any cross-Channel work, since some insurers won’t backdate it once a trip is already confirmed.
Contents Cover
This protects the goods that you are transporting. This cover can be increased or reduced depending on the value of goods you typically transport.
Legal Fees
Designed to protect you from unwanted legal bills. If you have an accident and someone is trying to claim compensation from you, you’ll end up having to pay legal fees if your insurance doesn’t cover it.
Breakdown Recovery
This type of cover will help you if one of your vehicles breaks down by providing roadside assistance. Breakdown cover provides roadside assistance and a towing service if required, helping you get back on the road quickly.
For older trucks or long-distance runs, this is often one of the best value add-ons going, since a single roadside callout and recovery can cost more than a year of the cover itself.
Single Truck or Multi-Vehicle Fleet?
Whether you are an independent driver or managing a large logistics operation, we have a path for you.
Owner Operators
Tailored for single-vehicle businesses. Focus on your personal No Claims Discount and precision pricing for your specific truck.
- Protect your hard-earned NCD
- Named driver discounts
Commercial Fleets
Managing 2 or more vehicles? Switch to an HGV Fleet Insurance policy to simplify your admin and reduce your total cost of ownership.
- Flexible “Any Driver” Fleet Policy cover
- Single renewal date for all HGVs
Examples of trucks that can be insured under an HGV policy include
Flat Bed Truck Insurance
Because flatbed trucks typically transport large and expensive goods, it is particularly necessary to get a flawless insurance policy in case anything happens during transportation. We recommend you get extensive contents cover depending on the value of goods you transport.
Recovery Truck Insurance
Recovery trucks come in all shapes and sizes, if you are using a vehicle for recovery you will need specialist recovery truck insurance protection.
Refrigerated Truck Insurance
It’s important to consider contents insurance in the unlikely event of your refrigerated van malfunctions and possibly spoiling the goods.
Tipper Truck Insurance
As a bare minimum, you should be looking for at least comprehensive insurance when it comes to covering a tipper truck.
Dropside Lorry Insurance
A popular choice with a delivery business. A dropside lorry will speed up the delivery process.
Specialist Trucks
HGVs and LGVs which have a specialist, singular function, such as livestock lorries, snow ploughs, cement mixers and car transporters.
Other Truck Types We Insure
Our panel of brokers can also provide quotes for: Agricultural, Box, Container, Curtainsider, Emergency Vehicle, Gritter, Horse Box, Low Loader, Mobile Plant, Skip Carrier, Tanker and Vehicle Transporter.
Typical truck insurance exclusions
Care needs to be applied when you are purchasing truck insurance. This is to ensure you’re covered for your requirements while not clashing with the exclusions that the insurer lays out. Failing to follow the exclusion rules may result in your cover being invalidated. We have listed some of the more typical exclusions below:
Tips to save on truck insurance costs
What is telematics, and can it reduce my annual or monthly premiums? Simply put, a device is added to your truck and yes, it can reduce your premium. The purpose of the device is to record data on the driver and will include at least the following:
- Severity of braking
- The ability to steer smoothly
- Rate of acceleration
- Average speed and speed peaks
Drivers that have a history of claims will increase your premium as they will be seen as an added risk. In addition, drivers under 25 will incur a higher premium based on the increased risk of accidents. So, whilst the young driver may be one of the better drivers, the underwriter sees all young drivers as extra risk.
Simply arranging one annual payment will lead to fewer overheads for everyone. The resulting lower costs can be passed on to you in terms of a lower premium.
Fleet cover should be considered if you have 2 or more trucks. Instead of purchasing individual insurance for each truck, you’ll be able to insurance all work vehicles under one policy. Insuring vehicles through a fleet policy should lead to savings over the traditional one vehicle, one policy route.
Making your vehicles secure and safe will help to bring down your insurance premiums. If possible, provide safe and secure parking. Add additional safety devices (insurance approved) such as immobiliser, GPS tracking devices. Taking these steps will be a step in reducing your overall insurance costs.
Do you need any driver cover? If possible, limit your policy to named drivers. However, if your business model requires driver flexibility, then an any driver fleet insurance policy will meet that requirement.
Making modifications can impact the cost of insurance. Before making any changes, consult with your insurance company as the change may increase the cost of insurance, so best to avoid unless necessary.
Get quotes from multiple sources and compare these policies drivers in terms of inclusions and exclusions. Quotes can easily be tailored to an owner-operator’s individual needs, providing the necessary cover to ensure you are not at financial risk as a result of an incident involving your work vehicle. Having your trucking business covered with adequate protection can let you get on with running your business without concerns for possible future claims against you or one of your drivers.
The policy can also be tailored to cover goods in transit, personal liability and loss of earnings. Depending on the type of business, you may also wish to cover tools, machinery, cargo and goods transported or held in storage.
Truck Insurance quotes from an exclusive HGV broker panel
The specialist panel of HGV companies can provide competitive truck insurance for all types of HGVs, whether it is a single lorry or a fleet of HGV vehicles. Fill in our online form for a quick call back and quote.
HGV Licence Categories & CPC
To insure a heavy goods vehicle, the driver must hold the correct entitlement. Here are the main UK licence categories explained.
Category C1 (Up to 7.5t)
Allows you to drive vehicles between 3,500kg and 7,500kg. This entitlement is often held by drivers who passed their car test before January 1997 via “Grandfather Rights.”
Category C (Class 2)
The standard licence for Rigid trucks over 7.5t. This is the most common entry point for professional HGV drivers operating large commercial vehicles.
Category C+E (Class 1)
Allows for Articulated lorries and drawbar combinations up to 44 tonnes. This represents the highest level of heavy haulage driver qualification.
Eamonn’s Take
Eamonn Turley · Commercial Insurance Editor, MultiQuoteTime
I still see operators treat Driver CPC as a paperwork formality rather than something insurers actively check. If a driver’s CPC card has lapsed and you have a claim, insurers can decline it outright, not reduce the payout, decline it entirely. Build CPC renewal into the same admin cycle as MOT and tax reminders, not something you only think about once a year.
For the complete breakdown, including grandfather rights for licences issued before 1997 and full Driver CPC requirements, see our guide to HGV licence classes explained.
Discover Other Truck Insurance Products
Tailored quotes from a panel of specialist commercial vehicle insurance brokers
Truck Insurance
Compare truck insurance quotes from specialist UK commercial vehicle brokers
Truck Insurance by Make
Find specialist cover tailored to your truck manufacturer and model
Dump Truck Insurance
Specialist cover for dump trucks, tippers and construction vehicles
Recovery Truck Insurance
Cover for vehicle recovery and breakdown services
7.5 Tonne Lorry Insurance
Compare specialist HGV quotes for 7.5t lorries and commercial vehicles
Horsebox Insurance
Tailored cover for horseboxes and equine transport vehicles
Skip Lorry Insurance
Specialist insurance for skip hire operators and skip lorries
Pay Monthly Goods in Transit
Protect your cargo with flexible pay monthly goods in transit cover
Commercial HGV Fleet Insurance
Fleet cover for multiple HGVs, lorries and commercial vehicles
UK Truck Insurance FAQs
Yes. Insurance quotes are available for farm vehicles, including tractor insurance, plus other commercial vehicles such as those used in construction.
Yes, HGV insurance is available for drivers of all ages, young, old and newly qualified. With the ongoing UK shortage of HGV drivers, more younger drivers are moving into haulage, and demand for cover has grown alongside it. It can cost more than insurance for an experienced driver with a clean record, but comparing the market can help you find a cheaper deal on young driver HGV insurance, including cover for under 25s and under 21s.
Yes. The panel of UK insurance brokers can provide truck insurance quotes whether you hold an operator’s licence or not.
A no claims bonus earned on a previous truck insurance policy can usually be transferred without issue. Whether a bonus earned on a different vehicle category, for example a car or van, transfers across to a truck policy depends on the individual broker.
Yes, under 25 truck insurance is available, though you should expect to pay a higher premium than drivers over 25. This is because statistics show drivers under 25 are more likely to be involved in accidents, and are therefore considered higher risk.
Installing a telematics device that monitors younger drivers can help reduce these premiums. These devices track things like braking, acceleration and average speed to help build a clearer risk profile.
You can also encourage under 25 drivers to complete additional training such as Pass Plus. Being able to show a certificate of further learning demonstrates a professional approach to improving driving skills, and can help reduce overall insurance costs.
Most brokers on the panel can offer to protect your HGV no claims bonus, though some may charge an arrangement fee for doing so.
Yes. If you’re operating a truck commercially, the driver needs to hold a valid Driver CPC and keep it renewed with periodic training. Operating without a valid CPC can affect your insurance in the event of a claim, not just your ability to drive legally. See our guide to HGV licence classes explained for the full Driver CPC requirements, including what changed in December 2024 and February 2025.
This is a rough salary guide for truck drivers in the UK. A shortage has existed since Brexit, so most qualified drivers can find work fairly easily, whether employed or as a self-employed HGV driver.
Starting out, just qualified: £18,000 to £23,000
With some experience: £24,000 to £29,000
Master driver with a good no claims history: £29,000 plus
It depends on the vehicle’s weight. Category C1 covers vehicles up to 7.5 tonnes, Category C covers rigid vehicles over 7.5 tonnes, and Category C+E covers articulated lorries and drawbar combinations up to 44 tonnes. See our guide to HGV licence classes explained for the full breakdown, including grandfather rights for licences issued before 1997.
For two or more vehicles, fleet insurance is often the more cost-effective route, since it consolidates cover under one renewal date instead of pricing each truck separately. See our guide to Commercial HGV Fleet Insurance to compare.
Third-Party Only (TPO) is the legal minimum, covering damage or injury you cause to others. Third-Party, Fire and Theft (TPFT) adds cover if your own truck is stolen or damaged by fire. Comprehensive is the most complete level, covering third party liability plus repairs to your own vehicle. See the Levels of Cover section above for more detail on each.