HGV insurance for heavy goods vehicles and articulated lorries. Comprehensive cover with European extension and O-licence support. Arranged by FCA-regulated brokers.
HGV insurance typically covers third-party liability, fire and theft, and comprehensive damage to the vehicle. Additional cover options include goods in transit, breakdown, European extension, and employers liability for employed drivers. Cover is subject to underwriting, insurer terms and acceptance.
We arrange HGV insurance for owner-operators, haulage companies, and logistics businesses operating heavy goods vehicles, articulated lorries, and rigid trucks. We can cover single vehicles and large HGV fleets.
We do not provide instant online quotes. Call us on 01733 263311 or request a call-back and one of our specialist fleet brokers will discuss your vehicles, drivers, and usage before approaching the market.
If you operate HGVs over 3.5 tonnes gross vehicle weight for hire or reward, you will generally need an Operator Licence (O-licence) from the Traffic Commissioner. We can advise on the insurance requirements for O-licence holders.
Goods in transit cover is not automatically included in HGV insurance but can be added as an extension. It covers the goods you are carrying against loss, damage, or theft during transit.
Yes. We can arrange HGV insurance for a single vehicle as well as for fleets of multiple HGVs. For operators with 3 or more HGVs, a fleet policy may offer administrative and cost advantages.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).