HGV Insurance Specialist

HGV & Single Truck Insurance

Over 7.5 Tonne – 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.

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HGV & Truck Insurance Quotes

Specialist cover for vehicles over 7.5t

HGVs, Rigids & 44t Artics

New Venture HGV Specialists

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Quotes provided by our panel of specialist HGV insurance brokers.

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Why Compare? Levels of Cover HGV Insurance Cost Weight Classes Truck Examples Tips to Save Optional Add-ons Exclusions 7.5t Specialist Licence & CPC FAQs

Compare HGV & Truck Insurance In 3 Steps

Vehicle Details

Tell us about your HGV, its weight (Rigid or Artic) and your business operation

Compare Experts

Compare specialized quotes from a panel of HGV insurance brokers

Confirm & Cover

Select the best policy for your haulage business and get your HGV on the road

All Panel Members Are FCA Regulated

Why compare SingleTruck insurance with MultiQuoteTime?

MultiQuoteTime understands that finding a good deal on truck insurance can be time-consuming and distract you from your core business activities. Having access to multiple quotes by completing one online form should help reduce some of the stress and save time

Finding and comparing the latest deals available in the insurance marketplace is made easy with our partner. Their quote process is designed to be quick and simple, allowing you to compare results effortlessly using filters to focus on the quotes that interest you.

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.

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

Weight Class	Typical Vehicles	Licence Required	Avg. Premium Range
3.5t – 7.5t	Box vans, small lorries, 7.5t lorries	C1	£800 – £1,800
7.5t – 18t	Medium rigids, curtainsiders, skip lorries	C	£1,200 – £2,500
18t – 32t	Large rigids, tippers, construction vehicles	C	£1,400 – £3,000
32t – 44t	Articulated lorries, tractor units, international haulage	C+E	£1,800 – £4,000+

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.

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.

Third-Party, Fire, and Theft (TPFT)

Third Party Fire and Theft adds protection if the lorry is damaged by fire or is stolen.

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.

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.

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.

Fleet vs Owner Preview

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

Truck Types Preview

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:

Unlicensed drivers

The vehicle being used outside for a use not covered.

Letting a driver that is not insured drive the truck

Radioactive pollution and explosive events

Leaving keys in the vehicle

Lost Keys, consider a separate car key cover protection policy.

Driving under the influence of illegal drugs

Driving while over the alcohol limit for UK roads

Tips to save on truck insurance costs

1. Telematics

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

2. Driver background checks

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.

3. Reduce admin costs

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.

4. Truck Fleet Insurance

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.

5. Tighten up on Security

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.

6. Named Drivers Only

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.

7. Avoid Modifications

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.

8. Compare Truck Insurance Quotes

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.

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.

Driver CPC Requirements

To drive an HGV professionally in the UK, you must hold a valid Driver Certificate of Professional Competence (CPC). This requires 35 hours of periodic training every 5 years to stay legally compliant.

Compliance Tip

Operating without a valid CPC card can invalidate your insurance policy entirely in the event of a claim.

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

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

Truck Manufacturer Insurance

Compare specialist insurance quotes by truck brand

IVECO Truck Insurance

Specialist cover for IVECO Daily, Eurocargo and Stralis models

HINO Truck Insurance

Competitive quotes for HINO 300, 500 and 700 series trucks

ISUZU Truck Insurance

Cover for Grafter, Forward, Urban and F-Series models

DAF Truck Insurance

Quotes for DAF LF, CF and XF range trucks across the UK

UK Truck Insurance FAQs

Is cover available for agriculture or farm vehicles?

Insurance quotes are available for farm vehicles and includes tractor insurance UK plus other commercial vehicles, examples include those that are used within the construction industry.

Is HGV insurance available for new and young drivers?

Yes, HGV is now widely available for all drivers, young, old and newly qualified. With the UK shortage of HGV drivers, younger drivers are moving into the haulage sector, with that a demand for HGV insurance exists for both young and new drivers. Whilst this can be more expensive than the cost for an experienced driver with a good driving record, comparing the market can help in finding a cheap deal on young driver HGV insurance, for under 25 and under 21’s.

Is insurance available if I dont hold an operator’s licence?

The UK panel of insurance brokers can provide truck insurance quotes to both those that hold and those that do not hold an operator’s licence.

Can I use my no claims’ bonus on my truck insurance policy?

Your No claim’s bonus that you earned under a previous truck insurance policy can be easily transferred. On the question of transferring a bonus earned under a different vehicle category will depend on the individual broker.

Is truck Insurance available for driver that are under 25?

Under 25 truck insurance is available, but expect to pay a higher premium than drivers over 25. This is because statistics show that people under 25 are more likely to cause accidents and are therefore considered “high risk”

However, installing telematic devices that will monitor younger drivers can help reduce these premium. They monitor certain aspects of driving such as their breaking, acceleration and average speed, by doing this they can determine the young driver’s risk profile.

You can also offer additional driving courses such as Pass Plus to your under 25 drivers. Being able to supply a certificate of further learning to your insurance company shows a professional attitude to improving your workforce driving skills and should help reduce your overall insurance costs.

Can I protect my HGV NCD?

Most brokers on the panel will offer to protect your HGV no claims, but some may charge an arrangement fee.

Do I need CPC training to drive a truck?

If you are operating your truck on a commercial basis, be aware of the CPC training requirements that you must fulfil and renew keep up to date.

If you’re trying to insure someone below the age of 25, consider adding a telematics system and in-cabin cameras. These type of devices can help lower the premiums that are associated with higher risk younger drivers.

It’s important to cover yourself with the right policy, but it’s also essential to purchase affordable insurance for the work you’re doing.

How much do truck drivers get paid?

This is just a rough salary guide for truck divers in the UK, if you are interested in becoming a HGV driver a shortage exists since Brexit, so you should easily find a job or work as a self employed HGV driver.

What do I need to know to become a truck driver guide?

Starting out, just qualified : £18,000 to £23,000
With Some Experience : £24,000 to £29,000
Master Driver with good no claim’s history : £29,000 plus

Truck Manufacturer Insurance

Compare specialist insurance quotes by truck brand

Reviewed by: Eamonn Turley, Insurance Specialist