Frequently Asked Questions About HGV Insurance
How much is HGV insurance?
HGV insurance costs depend entirely on the amount of risk your vehicle poses when on the road. A TPO policy will cost less than a comprehensive one, however you will not be protected from a number of situations. It is always better to pay more for more coverage.
Our panel of HGV insurance brokers are specialists in their field, meaning they will be able to design you a bespoke policy that can be offered at a competitive price.
What types of HGV can be covered?
You can get HGV insurance for a number of vehicle types. There are policies that can support any number of business. You will be able to get recovery van insurance, tipper truck insurance, or private HGV insurance, among others. Whatever the nature of your business, QuoteSearcher can align you with a broker that understands the unique challenges you face.
Am I able to get 7.5 tonne truck insurance?
You can definitely have your 7.5 tonne HGV insured under a comprehensive policy, but bear in mind that you must have a special driving license for a vehicle of this size. To drive a 7.5 tonne vehicle, you will need to have passed the category C test. To drive a vehicle between 3.5 tonnes and 7.5 tonnes, you will need to have passed the C1 test. In order to apply for HGV insurance you may need to prove that you are able to legally drive your particular vehicle.
Whats the difference between HGV insurance and commercial vehicle insurance?
Most commercial vehicles are smaller in size and don’t have the same complex engineering that HGVs do. This means that commercial vehicle providers won’t have as much knowledge when it comes to the type of vehicle you drive.
HGV insurance is a niche product, and because of that you know you will be working with experts who understand your business needs and can be efficient when it comes to getting you back on the road.
Can you get temporary HGV insurance?
When it comes to HGV insurance, it is important to ensure that the cover you choose meets your specific requirements. Generally speaking, temporary HGV insurance is available to drivers who need cover for a short-term or one-off job. Depending on the insurer, temporary HGV policies can be arranged for periods of between one and 28 days, with the cost varying depending on the duration of cover.
Does having a HGV licence lower car insurance?
Having a HGV licence can have a positive impact on car insurance premiums. An HGV licence demonstrates to an insurance provider that the driver has extensive driving experience and is likely to be a safer driver on the roads. As such, many insurance providers are willing to offer discounted car insurance premiums for drivers.
Can you insure a lorry for a day?
There are a variety of companies offering temporary lorry insurance policies that can cover you for a single day. This can be incredibly useful if you are borrowing or renting a lorry for a one-off event, such as a house move.
Are pickups classed as vans for insurance?
Many people assume that pickup trucks are classified as vans and, therefore, can be insured under van insurance policies. However, this is not necessarily the case.
Pickup trucks come in a variety of shapes and sizes and, depending on the make and model, may not qualify as vans. This is because vans typically have a large, enclosed cargo area and are used primarily for transporting goods or passengers. Pickup trucks, on the other hand, tend to have an open bed and are more often used for recreational activities such as camping or fishing.
In terms of insurance, the classification of a vehicle is important as it determines which type of policy applies to the vehicle. Generally, pickup trucks are considered light goods vehicles and, therefore, may require a separate insurance policy from vans.