Cheap Lorry Insurance
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We offer HGV, truck, and lorry insurance for vehicles over 3.5 tonnes, giving you the cover you need and protecting your important assets
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At UK Sure, we're your go-to specialist insurance broker! If you run a “wheeled” business, we're ready to guide you and recommend the perfect insurance coverage tailored to your needs. Since 2019, we've connected thousands of satisfied customers with the right cover from our carefully selected panel of insurers.
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Compare Lorry Insurance Quotes
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Single Truck Insurance for 3.5 to 44-tonne models
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Truck Insurance for carriage of own goods and/or hire & reward
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We compare and provide you with the right policy
Why Lorry Insurance with UK Sure?
HGV insurance – or lorry insurance as it’s also known – is a policy that protects lorry owners, haulage firms, and other heavy goods vehicle users from the risks they face each day. These risks include:
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Accident
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Loss/damage to your lorry through fire
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Theft of your vehicle
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Public liability – should you accidentally injure someone or damage their property
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Employers’ liability – if you employ any drivers
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European cover
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Loss of license – if you lose your licence for a period, loss of licence cover will compensate you for an agreed period until you can get it back
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Goods in transit – protecting your cargo from loss, theft, or damage while it’s transported
Several vehicles can be insured on a lorry policy with UK Sure, for example:
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Heavy goods vehicles over 3.5 tonnes
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Bulk carriers
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Electric and hybrid trucks
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Low loaders
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Flatbeds (with or without lifting equipment)
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Horseboxes
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Tankers
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Breakdown truck
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Skip carrier
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Tippers
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Gritter lorries
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Curtain sides lorries
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Cement mixers
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Refrigerated and insulated lorries and vans
Lorry insurance policies
While each truck insurance policy varies based on individual needs, several common types of coverage are worth knowing. Here are some of the most prevalent types found in truck insurance policies:
Fleet Insurance: Ideal for companies with multiple trucks, fleet insurance allows you to insure all vehicles under one policy, simplifying administration and often saving money compared to insuring each car separately.
Public Liability: This coverage protects against claims if a public member is injured due to your negligence, making it particularly beneficial for trucking companies with numerous vehicles on the road.
Contents Cover: Essential for trucks transporting goods, contents cover ensures you are compensated for damaged or stolen items, especially valuable or sensitive cargo.
European Cover: For companies operating across multiple countries, European Cover provides insurance for trucks both domestically and abroad.
Comprehensive Insurance: This type of coverage protects against collisions regardless of fault and typically includes protection for fire, theft, and vandalism.
Legal Fees: Including legal fee coverage can help manage the costs of defending against compensation claims made against you or your company.
Loss of Licence: Though not standard, loss of licence cover compensates you for an agreed period if you lose your driving licence.
Breakdown Recovery: This vital coverage ensures you're supported in the event of a breakdown while on the road.
These coverage types can vary, depending on the specific truck needing insurance, such as HGVs, recovery trucks, flatbed trucks, tipper trucks, refrigerated trucks, gritter lorries, or specialist trucks like cement mixers and livestock lorries. Always shop around for the best quotes to suit your needs.
Frequently Asked Questions
Question: What insurance do I need for a lorry?
If you're using it for work, such as driving in between jobs, carrying equipment around, or making deliveries, you will need a commercial insurance policy.
Question: What is a lorry in the UK?
Lorries are large vehicles used for transporting goods by road. The word lorry is thought to come from the verb lurry, which according to the Oxford English Dictionary, dates back to the 17th century, and means “to carry or drag along”.
Question: Is it worth getting HGV Licence UK?
Well, rest assured, once you have your HGV licence, you'll be open to lots of different driving jobs. Further to this, we are also looking at a future-proof job as the need for an HGV driver is not going to be disappearing anytime soon!
Question: What is the difference between a lorry and a HGV?
Heavy Goods Vehicles (HGVs) are defined in the UK as any commercial vehicle with a weight of over 3,500kg, or 3.5 tonnes. They include vehicles like lorries and tankers - but also large specialist vehicles like fire engines and mobile cranes.
Question: What does lorry insurance cover?
It can cover vehicle damage, third-party liability, goods in transit, breakdown cover, and legal expenses depending on the policy.
Question: Do I need lorry insurance for private use?
Yes, if the lorry is used on public roads, you must have insurance by law.
Question: What types of lorries can be insured?
Most types including articulated lorries, flatbeds, tippers, refrigerated lorries, and curtain siders.
Question: Is lorry insurance more expensive than van insurance?
Generally, yes. Due to size, value, and usage, premiums are often higher for lorries..
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How our customers rate us
Muito bom, fiquei satisfeito!
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2024-11-20
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2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it
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2024-10-30
I highly recomend this insurance dealer. I was completely impressed with their professionalism and customer service. 100%...Exceeding my expectation...