Looking for a competitive rate?
As a motor insurance broker, we’ll do all the hard work for you
At UK Sure, we offer policies at competitive prices alongside optional extras to ensure that you’re covered for the road. We have access to exclusive rates from some of the leading UK insurers.
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You can rely on our knowledgeable and experienced team of motor insurance specialists to find you the right policy.
Protecting drivers since 2019
Since our founding in 2019, we have helped countless of professional drivers get the protection they need.
We specialize in Truck insurance in the UK for HGV operators, large and small.
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Private HGV Insurance
HGVs play a vital role in business today and the UK’s supply network relies heavily on them. HGV’s however can give a somewhat negative impression to the general public, due to their inevitable large size, emissions, and sense of unease they can induce. The truth is, whilst most HGVs are very safe vehicles, when an accident does occur they have the potential to do much greater damage than the average family car.
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HGV Driver Insurance
HGV insurance premiums are higher than the average family car. Based on research conducted in 2013, around 6,092 HGV accidents took place in the UK. Though HGVs make up only 10% of the total traffic, one in five fatal crashes involved an HGV. This is a worrying statistic that demonstrates how capable HGVs are of producing deadly consequences. Because of the higher risks associated with HGVs, it’s even more important to make sure that an HGV driver is properly insured.
HGV Insurance
HGV insurance is a form of commercial insurance policy that is suitable for trucks that are used for business purposes such as deliveries, collections, and transportation. It is specifically designed to cover vehicles that are 7.5 tonnes and above. This insurance not only protects against damage or loss of the truck, but it also covers the cab, trailer, and driver. Any third-party injury, death, or property damage is also covered by this policy. This is the minimum cover provided, however, driving an HGV will require further protection to be insured against third-party claims. HGV insurance can cover international travel too. It is important that you select the correct level of coverage and choose the exact locations where you need coverage.
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HGV insurance – or truck 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
Contact us today to learn more about our insurance options.
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What Types Of Vehicles Can Truck Insurance Cover?
A surprising number of vehicles can be insured on a truck policy, 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
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Contact us today to learn more about our insurance options
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What types of Truck & HGV Insurance are there?
As with car insurance, there are three main types of cover:
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Third-party – the minimum legal requirement; this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault
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Third-party, fire, and theft – this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault, or if a truck is accidentally destroyed by fire or stolen
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Fully comprehensive – provides the same cover as third-party, fire, and theft but offers the added protection that if an incident is your fault, then repairs to your vehicle will be covered
In addition to the above, the following options are available:
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Loss of driving licence
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European Cover
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