7.5 Tonne Lorry Insurance
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Compare 7.5 tonne lorry insurance from specialist UK commercial vehicle brokers. Whether you operate a single vehicle or a fleet, get competitive quotes tailored to your haulage needs.
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Why compare Lorry insurance with MultiQuoteTime?
7.5 tonne lorry insurance is designed for businesses and drivers operating medium-sized goods vehicles used for commercial purposes. Whether you run a single 7.5T lorry or manage a fleet, comparing insurance quotes can help you find the right level of cover at a competitive price. At MultiQuoteTime, you can compare 7.5 tonne lorry insurance quotes from UK insurers in minutes.
Finding and comparing the latest deals available in the insurance marketplace is easier if you can get multiple quotes by simply completing one online form!
What Is 7.5 Tonne Lorry Insurance?
The 7.5-tonne lorry is a popular choice for farmers transporting livestock to market or taking ponies to show trials. It is also widely used in the delivery sector. The required coverage will depend on the vehicle’s intended use. This guide aims to provide you with insight into the available 7.5-tonne truck insurance options.
Multi Quote Time works in partnership with QuoteZone who provide a simple form which once completed is submitted to a specialist panel of brokers. To start comparing prices, select GET MULTIPLE QUOTES button above and provide basic information to a panel of UK brokers. The panel will provide you with a range of truck insurance quotes based on your individual requirements.
Key Takeaway :
Always inform your insurance provider in advance if your intended use of the lorry will change. Failure to do so could result in you driving your lorry with the incorrect insurance. Which in the eyes of the law and the insurance provider is the same as driving with NO insurance cover.
Starting a New Venture? 7.5 Tonne Lorry Insurance for First-Time Owners
Can new or young drivers get insured on a 7.5T lorry?
Yes, cover is available for new and younger drivers operating 7.5T vehicles. Premiums are typically higher for less experienced drivers, particularly those under 25, as insurers view them as higher risk. However, comparing policies across the market can help identify more competitive options, especially for drivers with a clean licence or additional training.
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NCD Mirroring: Use your car or van No Claims Discount to lower your first lorry premium.
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Start-up Support: Specialist schemes for new haulage businesses with no prior trading history.
What Levels of Lorry Insurance Cover Can You Choose?
There are three levels of road risk insurance to choose from:
TPO
Provides cover for third party claims brought against you. No cover for your own lorry.
The number of claims in this category has been on the increase, and some insurance firms have increased the cost, so do not assume this is the cheapest level of cover!
TPFT
Third Party, Fire, and Theft is essentially the same as Third Party in that no cover for your vehicle is included, but it does offer cover for theft or fire damage to your vehicle.
Fully comprehensive
This is the highest level and extends the cover provided by TPFT to include cover for your vehicle and property.
How to Reduce the Cost of 7.5 Tonne Lorry Insurance
Insurance for medium-sized commercial vehicles can be costly, but there are practical steps you can take to reduce premiums.
1 Reduce Theft Risk
Parking vehicles in locked yards or monitored facilities can help lower costs. Added security such as alarms and immobilisers may also be viewed favourably.
2 Telematics & Tracking
Telematics allow insurers to assess driver behaviour. Businesses using these tools are often placed in a lower-risk category, resulting in cheaper premiums.
3 Voluntary Excess
Choosing a higher voluntary excess reduces the insurer’s risk, bringing premiums down. Ensure the excess remains affordable in the event of a claim.
Starting a New Venture? 7.5 Tonne Lorry Insurance for First-Time Owners
Launching a new haulage or delivery business is a significant milestone. For first-time owners, the biggest challenge is finding affordable cover without a prior trading history.
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NCD Mirroring: We help you transfer your car or van No Claims Discount to your first lorry policy.
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New Venture Rates: Access specialist insurers that specifically cater to start-up hauliers.
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O-Licence Ready: Immediate proof of insurance to satisfy your Operator’s Licence application.
Licence & Operator Requirements
Driving a 7.5T vehicle professionally requires more than just a standard car licence. You must ensure both the driver and the business meet UK legal standards.
What are the three types of operator licence?
Restricted Licence
A restricted licence restricts you to only hauling your own goods.
Standard National Licence
This licence enables you to haul your own goods within the UK and internationally. In relation to other people’s goods, you are restricted to the UK only.
Standard International Licence
This licence will enable you to haul your own and other people’s goods within the UK and internationally.
Don’t Forget Driver CPC
If you are driving a 7.5 tonne lorry professionally, you must hold a valid Driver Certificate of Professional Competence (CPC). This involves 35 hours of periodic training every five years to remain compliant.
What Influences the Cost of 7.5T Insurance?
Insurance providers use several key data points to calculate your premium. Understanding these factors can help you better manage your business costs.
Vehicle Value
7.5T trucks are significant assets. Higher-value vehicles or those with specialist bodywork (like refrigerated units) typically attract higher premiums due to replacement costs.
Driver Profile
Experience matters. Drivers over 25 with a clean C1 licence and several years of HGV experience will see lower rates than younger or newly qualified drivers.
Annual Mileage
The more time a 7.5t lorry spends on the road, the higher the statistical risk of an incident. Accurately estimating your mileage can prevent overpaying.
Storage & Security
Where the vehicle is kept overnight (locked yard vs. public road) and the presence of Thatcham-approved trackers significantly impacts the final quote.
7.5 Tonne Vehicle Types We Insure
The 7.5-tonne chassis is incredibly versatile. Whether you operate a standard delivery van or a specialist vehicle, our panel can help you find the right cover.
Skip Lorries
Specialist 7.5t skip loaders require robust liability and hydraulic equipment cover.
Skip InsuranceHorseboxes
Insurance for 7.5t equestrian transport, covering both private and commercial use.
Horsebox InsuranceTipper & Dump Trucks
Essential cover for construction and aggregate haulage using 7.5t tipping gear.
Tipper InsuranceRefrigerated Trucks
Protection for temperature-controlled transport and chilled goods delivery.
Chilled CoverOption extras for 7.5t lorry insurance
The most common add-ons are goods in transit cover and breakdown recovery.
What these optional extras provide
| Cover Type | What It Provides |
|---|---|
| Breakdown Cover | Essential for hire-and-reward lorry operators. Covers roadside assistance, tyre changes, and recovery. National cover allows towing to your chosen destination if repairs cannot be completed roadside, and European cover can typically be added for overseas journeys. |
| Goods in Transit (Pay Monthly) | Covers damage or loss to cargo being transported. Without this protection, operators may be financially liable for the goods carried. Often required for high-value shipments. |
| Legal Cover | Legal cover is aimed at protecting you and your business against any legal fees as a result of a claim being contested in court. |
| Public Liability Insurance | If you are dealing with members of the public, liability insurance will protect you financially from any claims made against you while you are carrying out your business. |
| Goods in Transit Cover | Also known as GIT, this covers the cargo you are hauling against loss or damage. |
| Uninsured Motorist Protection | This provides cover should you be involved in an accident with an uninsured motorist. The number of uninsured motorists is growing in the UK. This will cover your costs if the party at fault does not have insurance. |
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