HGV Fleet Insurance
HGV Fleet Insurance and Haulage Fleet Insurance
When renewal time for your HGV fleet insurance comes around it pays to go and compare the market. This is also true if this the first time researching HGV fleet insurance options. We help by doing exactly that, once you complete the online enquiry form available via the GET A Quote button we will send your requirements to over 20 insurers specialist. They in turn will provide your haulage business with insurance quotes.
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We compare HGV cover for all sizes of fleets, from one HGV to large haulage fleets. We also provide protection for all sizes from up to 7.5 tonne and over 7.5 tonne. To quickly reduce premium costs and compare the market complete our online form with the necessary information specific to your haulage business. Within literally minutes our panel of brokers will start providing quotes for Heavy Goods Vehicles. Compare the benefits and costs and select your preferred broker. After your decision you can purchase your policy online in minutes. We have helped many businesses that are involved in the transport, logistics and haulage industry to save on premium costs.
What is HGV Insurance?
HGV insurance policy is accident protection provided for heavy vehicles such as truck, recovery trucks, flat bed, refrigerated, concrete mixers and trailers. The policy covers the entire fleet of vehicles owned by an individual or a haulage business. The policy can provide cover for more than two vehicles. If you have more than two vehicles 7.5 ton or over, you are a good candidate for multi HGV fleet protection.
This type of policy saves you from having to deal with multiple policies for each individual vehicles in your fleet. Thus, you will have less paperwork and headaches too when it comes to renewals or determining claims for your heavy goods fleet. Another benefit of purchasing this type of package is that it costs less than buying separate policies for each vehicle.
A heavy goods vehicle policy will cover you against losses that can result when a vehicle is damaged due to acts of vandalism or an accident. The cover also protects you against liabilities in cases of theft of the vehicle, loss or damage in a fire accident. Finally, third parties are also protected under this type of protection.
Depending on the brokerage you choose to buy cover from, your cover package may come with additional perks like transit cover to protect your cargo when in transit. Before you agree to take out extra perks in your policy, find out how much they cost. Generally, you will have to pay for any extras added on your policy.
You should also consider your budget when you want to purchase fleet vehicle protection. Make sure the policy you purchase can easily fit in your business budget. Some brokerage companies will increase your premiums or impose some penalties if you are late with your payments. Go through the terms and conditions of the company you want to work with to know of any fees you may be charged for your policy.
What you should Know about HGV Cover
If you own a heavy goods vehicle, you know that you need to be legally covered to drive on the UK roads. The question is, do you know what the insurance actually protects you from? The last thing you want is for your goods vehicle to be on the road without adequate protection. Accidents can happen at any time and when they do, you will have some financial relief with the right heavy goods vehicle policy. Let’s dive deeper into HGV protection and what truck owners should know about it.
The above is an overview of fleet insurance for goods vehicles and covers some of the factors that need to be considered before selecting your underwriters policy.
If you drive a HGV you will need valid HGV insurance, one prerequisite to this type of cover is that the driver must first hold a professional driving qualification called Driving Certificate of Professional Competence (CPC). In addition , depending on the weight of the lorry and its intended purpose an operators licence may also be required.