HGV Insurance 2017-10-26T09:46:46+00:00

HGV insurance

Need to find HGV insurance that fits all of your business needs? That’s what ISIS is here for! Talk to our expert HGV insurance team now!

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  • Flexible payment options.
  • Discounts available for new ventures.
  • Discounts available for vehicles with fixed cameras.
  • Access to exclusive schemes you won’t find on the high street.

What is HGV insurance?

Of course, there is a minimum level of insurance required just to take an HGV onto the road, but that is nowhere near enough to meet the needs of most businesses! It isn’t terribly different in that respect from private vehicle insurance. Whether you are a single owner-operator or need HGV insurance for a whole fleet, you’ll need a more comprehensive policy to protect the vehicle, the people in it, and the goods it carries.

Some businesses will have fairly straightforward HGV insurance requirements. Others will have unusual business structures or other complications that will make many ‘standard’ insurance options inappropriate. Feel free to discuss exactly what options you need with us. As specialist HGV insurance brokers, we can offer quotes for a wide range of HGV’s including refrigerated vehicles, skip lorries, flat-beds and many others. And whether you are using your vehicle to carry your own goods and tools or other peoples’ goods we can make sure that you have the right protection in place to keep your business running.

ISIS is a specialist insurance broker to the HGV insurance marketplace. Our team has years of experience finding insurance cover for HGV owners and operators of all sizes. Working with a range of leading UK insurers, we have access to a wealth of products and some schemes that you won’t find on the high street. Call us today. We’re happy to discuss your requirements and provide you with a quote.

Extra covers to consider when buying your HGV insurance

In addition to HGV driver insurance you may also want to consider other policies that aren’t automatically included as part of standard HGV insurance policies. A few, but certainly not all, of the possible options include:

HGV Breakdown Cover

If your vehicle breakdowns a HGV breakdown policy offers you roadside assistance and recovery to get you moving again.

Goods in Transit

Goods in transit cover will insure the goods that are being carried in your vehicle against loss, damage or theft. Your own goods or other peoples’ goods can be covered.

Excess Protection

The excess on a commercial vehicle policy is usually higher than the excess on a private car policy so you may want to consider protecting that expense with an Excess Protection policy. This type of policy enables you to claim for any excess up to the policy limit that you have paid and cannot claim back from a Third Party.

Liability Insurance

If your business comes in to contact with members of the public or customers, you should protect yourself against a third party making a claim for loss or injury against your company. If you employ people, you will also need to have Employers Liability Insurance to protect your business against employee claims.

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Important things to remember about HGV insurance

  • You will need to ensure that your HGV Insurance is appropriate to your business and to the vehicles that you operate. So, make sure that the usage, the drivers, the weight and type of your vehicle is all correct. You need the policy that is the most appropriate to you not just the cheapest as you may find the cheapest policy does not offer you the right protection.
  • You may want to consider naming the drivers rather than having an any driver policy as this will reduce the premium and help you to manage the risk.
  • If you operate more than one hgv vehicle, you may need to consider a fleet policy or a multi vehicle policy.

Whether you are responsible for just a single HGV or a whole fleet of vehicles, ISIS is ready to help you find the insurance that you need for your business and that works to protect it.

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