How many HGVs do I need for fleet insurance?

Most HGV insurers will quote from two vehicles, with the strongest schemes typically available from five upwards. Below two, individual HGV policies are the usual route.

Do HGV fleets need an operator's licence?

Yes, if the vehicles are over 3.5 tonnes and used in connection with a business. Insurers ask for O-licence details at quote stage and rate on the operator's compliance record.

Can young drivers be included on an HGV fleet?

Yes, but driver age and experience have a large effect on an HGV rating. Some insurers set minimum ages for tractive units; others will consider younger drivers with the right licence categories and supervision.

Is goods in transit included?

Not automatically. The motor policy covers the vehicle and third parties. Cover for the load itself is arranged separately as goods in transit, usually alongside the fleet policy.

Can I run HGVs and vans on the same policy?

Frequently yes. Mixed schedules with light commercials alongside heavy goods vehicles are common, and the whole fleet shares one renewal date and one set of documents.

HGV Fleet Insurance

HGV Fleet Insurance For Heavy Goods Operators

One policy for the heavy goods vehicles your business runs, from 7.5-tonne trucks to artics. Quotes from specialist UK brokers.

Cover for trucks, rigids and artics
Own goods and hire and reward use
Fleet-wide driver and cover terms

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 HGV fleet insurance?

HGV fleet insurance covers a business's heavy goods vehicles — from 7.5-tonne trucks to 44-tonne artics — under one motor policy. The fleet is rated as one risk on its claims record, trade and drivers, with vehicles added or removed mid-term.

Trucks, rigids and artics covered
Most insurers quote from two vehicles
Tachograph and maintenance compliance affects terms
Goods in transit arranged separately

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

HGV fleet insurance covers a business's heavy goods vehicles — anything from 7.5-tonne trucks to 44-tonne articulated combinations — under a single motor policy. Instead of insuring each truck separately, the whole fleet sits on one schedule with one renewal date.

HGV risks are underwritten by a small number of specialist insurers, each with its own appetite for the trade, the vehicle mix and the operator's claims record. That makes broker access to the right insurers the difference between a sharp quote and a poor one.

Vehicles an HGV fleet policy covers

Heavy goods vehicle fleets come in many shapes. A single policy can usually carry the full mix, provided every vehicle and its use is declared.

Articulated tractive units and drawbar combinations
Rigid trucks, box lorries and curtainsiders
Tippers, grab lorries, flats and cranes
Refrigerated and temperature-controlled vehicles
7.5-tonne trucks through to 44-tonne gross combinations

Running an HGV fleet the insurers reward

HGV underwriters pay close attention to how an operation is run. Operators with documented compliance and a clean claims record consistently see better terms.

Tachograph and drivers' hours compliance, with records to evidence it
Documented daily walkaround checks and a scheduled maintenance regime
Driver CPC training kept current, with licence checks at least annually
Telematics and camera systems across the fleet
Secure overnight parking, with trailers secured separately where possible

Rating an HGV fleet

HGV fleets are rated on confirmed claims experience over the last three to five years, adjusted for trade, the goods carried, driver profile, mileage and operating area.

Because the fleet is rated as one risk, a strong three-year claims record pulls the whole schedule down — and a spell of losses pushes every vehicle up. Presentation of that record at quote stage genuinely moves the price.

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

How many HGVs do I need for fleet insurance?: Most HGV insurers will quote from two vehicles, with the strongest schemes typically available from five upwards. Below two, individual HGV policies are the usual route.
Do HGV fleets need an operator's licence?: Yes, if the vehicles are over 3.5 tonnes and used in connection with a business. Insurers ask for O-licence details at quote stage and rate on the operator's compliance record.
Can young drivers be included on an HGV fleet?: Yes, but driver age and experience have a large effect on an HGV rating. Some insurers set minimum ages for tractive units; others will consider younger drivers with the right licence categories and supervision.
Is goods in transit included?: Not automatically. The motor policy covers the vehicle and third parties. Cover for the load itself is arranged separately as goods in transit, usually alongside the fleet policy.
Can I run HGVs and vans on the same policy?: Frequently yes. Mixed schedules with light commercials alongside heavy goods vehicles are common, and the whole fleet shares one renewal date and one set of documents.

Ready to compare fleet insurance?

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