Lorry Insurance UK

Lorry Insurance provides protection for heavy goods vehicles used for commercial purposes across the UK. Whether you operate a single truck or manage a fleet, the right policy helps protect your vehicles against insured risks such as accidents, fire, theft and third-party liabilities while supporting your day-to-day business operations.

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Depending on your business requirements, cover may also extend to additional options such as European use, Goods in Transit, Employers' Liability, Public Liability, Breakdown Recovery and Loss of Licence, subject to the policy selected.

Business HGV Insurance

Business HGV Insurance is designed for businesses and professional drivers who rely on heavy goods vehicles as part of their daily operations. Whether you operate a haulage company, courier business or use your HGV to transport your own goods, the correct level of cover helps protect your vehicles while supporting your commercial activities.

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If your business transports goods on behalf of other companies or customers for payment, you'll usually require Hire & Reward Insurance, as standard commercial vehicle insurance may not provide the appropriate level of cover.

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Businesses operating several vehicles may also benefit from Fleet Insurance, making it easier to manage multiple HGVs under a single policy.

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Private HGV Insurance

While most heavy goods vehicles are used for commercial purposes, some vehicles may be insured for private use depending on their type and intended use. Choosing the correct policy helps ensure your insurance reflects how your vehicle is used and reduces the risk of gaps in cover.

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If your HGV is used for business activities, including transporting goods for work, you'll generally require commercial HGV Insurance rather than private vehicle cover.

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Whether you operate a single HGV, manage a growing fleet or run a haulage, logistics or courier business, having the right HGV Insurance is essential. The correct policy helps protect your vehicles while supporting the day-to-day operation of your business.​

At UK Sure, we work with a panel of leading UK insurers to help arrange insurance for a wide range of heavy goods vehicles, from 3.5-tonne trucks to 44-tonne articulated lorries. Whether you transport your own goods, carry goods for hire and reward or operate specialist commercial vehicles, we'll help you compare insurance solutions tailored to your business.​

Insurance for Haulage Businesses & HGV Operators

Businesses across a wide range of industries rely on heavy goods vehicles to transport equipment, machinery, stock and goods safely throughout the UK and Europe. UK Sure can help arrange flexible HGV Insurance solutions that reflect how your vehicles are used, whether you operate a single vehicle or an entire fleet.

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We can help arrange cover for many types of commercial vehicles, including:

• Heavy goods vehicles over 3.5 tonnes

• Curtain side lorries

• Flatbed trucks

• Tankers

• Tippers

• Refrigerated and insulated lorries

• Recovery and breakdown trucks​

• Electric and hybrid trucks​

Businesses We Can Help

HGV Insurance may be suitable for:

• Haulage companies

• Logistics and distribution businesses

• Courier companies

• Fleet operators

• Construction and civil engineering companies

• Agricultural businesses

• Waste management companies

• Refrigerated transport businesses

• Owner-drivers