What is a HGV Insurance policy?
A HGV Cover is designed to cover those who work with lorries or within the haulage industry in general. The policy generally has multiple sections to it. The polices often offered are for hauliers with 1 to 15 lorries ranging from all types and sizes.
What do our HGV Insurance Brokers offer?
• Policy discounts
• Flexible payment plans – subject to insurer
• Combined policies
• Immediate cover available
• Breakdown cover in the UK and Europe
• Attached or Detached trailers can be included
• Costs of defending an action under the Corporate Manslaughter and Corporate Homicide Act 2007 may be included
What is included with my Lorry Insurance?
Lorry insurance policies have multiple sections helping better cover your business through a better break down of policy sections. HGV Insurance is complex so it is crucial it’s done correct.
Your HGV Insurance sections include:
• hgv fleet insurance
• commercial hgv
• goods in transit
• employers and public liability cover
• personal accident and sickness cover
Frequently Asked Questions
What sections should I buy?
This is completely up to you. Some sections of cover, such as hgv insurance and employers liability insurance are required by law. Other sections are optional, it comes down to your business needs and personal attitude to risk. The Lorry Insurance broker will be able to help you through the decision making process.
I have a lorry heavier than 44T. Can you still insure me?
Yes, regardless of how heavy your lorry is, we will be able to find you a hgv broker that covers that and more.
Can you cover hazardous materials and locations?
This is a tricky one as it depends on how hazardous the product or location is. Hauling cleaning chemicals would be fine to cover but hauling nuclear waste is extremely different yet both are classed as hazardous. Our brokers can cover 90% of hauliers.
Do I need employers liability insurance?
Yes. Employers liability cover was made mandatory in the UK by the Employer’s Liability Compulsory Insurance Act 1969.
I’m starting a new haulage company – will I be able to get a cheap hgv insurance quote?
Yes. Although your quote won’t be as cheap as someone who has been driving for 10 years with a claim free record, with the right circumstances (such as employing reliable safe drivers) our brokers will be able to offer you a competitive premium.
Do you offer discounts for the use of Forward Facing Cameras and trackers?
This depends on your insurer but typically yes. Installing risk management tools such as cameras and trackers can have a positive impact on a drivers driving style. It also helps monitor a vehicle and where it goes as well as quickly and efficiently solve incidents should they occur.
Why use Riscx?
The brokers we use have years of insuring HGV drivers and haulage firms. They constantly work to bring down the cost of your HGV premium by negotiating with their extensive board of insurers.