Fleet & Motor

HGV Insurance

Specialist insurance for heavy goods vehicles, articulated lorries, and rigid trucks. Whether you're an owner-driver or operate a fleet, we'll arrange comprehensive cover tailored to the haulage industry.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does HGV Insurance Cover?

HGV insurance provides protection for heavy goods vehicles and their operators. Coverage options include:

Comprehensive Cover

Full protection for your HGV including accidental damage, fire, theft, and third-party claims.

Third Party, Fire & Theft

Cover for damage to others plus protection if your lorry is stolen or damaged by fire.

Goods in Transit

Protection for cargo you're carrying against loss, theft, or damage during transport.

Trailer Cover

Insurance for attached and detached trailers, including refrigerated and specialist units.

Breakdown & Recovery

Specialist HGV recovery services – essential given the cost and complexity of lorry breakdowns.

Public Liability

Cover for claims from third parties for injury or property damage.

Employers' Liability

Legal requirement if you employ drivers – covers claims from employees injured at work.

Legal Expenses

Cover for legal costs following accidents, DVSA investigations, or disputes.

Foreign Use

Extension for European operations if you transport goods internationally.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Specialist HGV Cover

Policies designed for heavy goods vehicles, not adapted from standard motor insurance.

Cargo Protection

Goods in transit cover to protect the loads you carry for customers.

Industry Expertise

Access to insurers who understand haulage risks and operator licensing requirements.

Rapid Claims

Priority claims handling to minimise downtime and keep your lorries earning.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Owner-driver HGV operators
Haulage and logistics companies
Distribution and delivery fleets
Tipper and construction hauliers
Refrigerated transport operators
Container and intermodal carriers
Tanker operators
Specialist and abnormal load carriers

What We'll Need for Your Quote

1
Vehicle details (registration, make, model, GVW)
2
Type of goods typically carried
3
Operating radius (local, national, European)
4
Operator's licence (O-licence) details
5
Driver details and CPC qualifications
6
Claims history for the past 5 years
7
Where vehicles are kept overnight
8
Trailer details if applicable

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Frequently Asked Questions

Do I need an operator's licence to get HGV insurance?

For vehicles over 3.5 tonnes used for hire and reward, you need an operator's licence (O-licence). Insurers will typically require your O-licence details. Own-goods operations may have different requirements.

What's the difference between HGV and haulage insurance?

HGV insurance covers the vehicle itself. Haulage insurance is a broader term that may include goods in transit, public liability, and other covers needed to run a haulage business. We can arrange comprehensive packages covering all aspects.

Is goods in transit cover included in HGV insurance?

Not automatically. HGV motor insurance covers the vehicle, while goods in transit covers the cargo. Most hauliers need both – we can arrange combined policies or separate covers depending on your needs.

Can I get cover for European operations?

Yes, foreign use extensions are available for HGVs operating in Europe. You'll need to declare the countries you visit and the proportion of work done abroad. Some specialist European haulage policies are also available.

What security measures do I need for HGV insurance?

Requirements vary by insurer and the goods you carry. Common requirements include immobilisers, tracking devices, secure parking, and driver training. High-value or theft-attractive loads may need additional security measures.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.