Do I need an O-licence for haulage fleet cover?

Yes, if you operate goods vehicles over 3.5 tonnes for hire and reward. Insurers will ask for your O-licence number and the vehicles it authorises when quoting a haulage fleet.

Are trailers included on a haulage fleet policy?

Usually yes — trailers are commonly covered under the same policy as the tractive units, either on the main schedule or a trailer annex. Confirm how your trailers are noted when comparing quotes.

Can a haulage fleet include vans and cars?

Often yes. Mixed fleets with a few light commercials alongside the trucks are common, and many insurers will put them on one schedule. The overall policy is rated on the mix of uses and vehicle types.

Does haulage fleet insurance cover Europe?

Most policies include the legal minimum cover for EU travel, with full cover for foreign journeys arranged through a foreign use extension. Tell the underwriter roughly how many days a year your vehicles are abroad.

Haulage Fleet Insurance

Haulage Fleet Insurance For Road Transport Operators

Cover for hauliers running artics, rigids and trailers for hire and reward, arranged on one policy. Quotes from specialist UK brokers.

Artics, rigids, tippers and trailers
One policy across all your trucks
UK and foreign use options

Get quotes 01782 739 102

Tailored quotes from specialist UK fleet insurance brokers

Illustration of a lorry, panel van and small van making up a business fleet

Introductions to specialist UK brokers
One short form, around 3 minutes
Free to use, no obligation
FCA regulated (FRN 940006)

What is haulage fleet insurance?

Haulage fleet insurance covers two or more trucks and trailers operated for hire and reward — carrying other people's goods for payment. It is written for O-licence holders, with the fleet rated as one risk and one renewal date for the whole schedule.

Artics, rigids and trailers on one policy
O-licence details needed at quote stage
Goods in transit and foreign use extensions available
Rated on claims experience and compliance record

How it works

1. Tell us about your fleet

Answer a few questions about your business, your vehicles and your drivers. It takes around three minutes.

2. We introduce you to a broker

Your enquiry is passed to an FCA-authorised fleet insurance broker whose insurers cover your trade and vehicle mix.

3. The broker quotes you

The broker discusses your requirements, provides the quotation and gives any advice. There is no obligation to take cover.

Get your fleet quotes

Answer a few quick questions and we'll pass your enquiry to fleet brokers who quote on your trade and vehicle mix.

Start your quote Or call 01782 739 102

Takes about three minutes
Free and no obligation

Haulage fleet insurance covers the trucks and trailers a road transport operator runs for hire and reward — carrying other people's goods for payment. It is written for O-licence holders running anything from a couple of rigids to a large articulated fleet.

Haulage is one of the most closely underwritten classes in the fleet market. Insurers look hard at the operator's licence record, drivers' hours compliance, the goods carried and the operating radius before quoting, and appetites vary considerably between insurers.

What a haulage fleet policy covers

A haulage fleet policy insures the tractive units, rigids and trailers on one schedule, with the use declared as haulage or hire and reward. Cover levels, driver arrangements and extensions are set fleet-wide.

Articulated tractive units, rigid lorries and drawbar combinations
Trailers — often covered under the same policy or an annex
Hire and reward use for carriage of goods for payment
Comprehensive, third party fire and theft or third party only
Any-driver, named-driver or age-and-experience-restricted terms

Cover hauliers usually add

The load, the liability and the downtime matter as much as the truck. These are the extensions haulage operators most commonly arrange alongside the fleet policy.

Goods in transit cover for the loads carried
Haulage and carriers' liability where you carry for others
European use extension for continental work
Breakdown and recovery suited to laden HGVs
Replacement vehicle or hire cover to keep contracts running after a claim

What haulage underwriters ask for

Haulage quotes are prepared manually and the quality of the information you supply directly affects the terms returned. Brokers typically ask for:

O-licence details, including the number of vehicles authorised
Confirmed claims experience over three to five years
Driver details — ages, licence categories, CPC status and endorsements
The goods carried, operating radius and any foreign use
Annual mileage and where vehicles are kept overnight
Maintenance arrangements, tachograph and drivers' hours compliance

Why quote through Fleet-Quote.co.uk

One policy, one renewal

A fleet policy puts every vehicle on a single schedule with one renewal date instead of separate policies falling due through the year.

Every vehicle type

Cars, vans, pick-ups, lorries, taxis and minibuses can all sit on the same schedule with one renewal date.

Three minutes of your time

You answer once. We pass your enquiry on rather than making you repeat the same questions to several brokers.

FCA-regulated introductions

We are an introducer, not a broker or insurer. Enquiries are only ever passed to firms authorised and regulated by the Financial Conduct Authority.

Frequently asked questions

What is haulage fleet insurance?: Haulage fleet insurance is a single motor policy covering two or more trucks and their trailers operated for hire and reward — carrying other people's goods for payment. It is written for O-licence holders and rates the fleet as one risk.
Do I need an O-licence for haulage fleet cover?: Yes, if you operate goods vehicles over 3.5 tonnes for hire and reward. Insurers will ask for your O-licence number and the vehicles it authorises when quoting a haulage fleet.
Are trailers included on a haulage fleet policy?: Usually yes — trailers are commonly covered under the same policy as the tractive units, either on the main schedule or a trailer annex. Confirm how your trailers are noted when comparing quotes.
Can a haulage fleet include vans and cars?: Often yes. Mixed fleets with a few light commercials alongside the trucks are common, and many insurers will put them on one schedule. The overall policy is rated on the mix of uses and vehicle types.
Does haulage fleet insurance cover Europe?: Most policies include the legal minimum cover for EU travel, with full cover for foreign journeys arranged through a foreign use extension. Tell the underwriter roughly how many days a year your vehicles are abroad.

Ready to compare fleet insurance?

One short form, then an FCA-authorised fleet insurance broker takes it from there. No obligation.