Car Carriers

What is covered by truck insurance?

HGV insurance comes in three levels, much like other types of vehicle insurance. Examine the terms of your own insurance carefully to see what is and is not covered.

Third party only is allowed (TPO)

  • The legal requirement for a minimum amount of insurance
  • Liability for other people’s injuries (including your passengers)
  • Third-party property damage
  • While towing a caravan or trailer, you are responsible for your actions.

Third-party liability, fire, and theft (TPFT)

  • Everything covered by TPO plus
  • Damage caused by fire
  • The truck has been stolen.
  • During the theft, your lorry was damaged.


  • TPFT covers everything, including damage to your own vehicle.
  • Windscreen cover, personal effects, unintentional damage, and medical bills are all possibilities.

What else is covered by truck insurance?

These supplementary features may be included as standard or for an additional fee, depending on the policy:

  • Coverage for truck breakdowns.
  • Coverage from the law.
  • Income security.
  • Coverage for commercial properties.
  • Recovery of uninsured losses.
  • You have the option of hiring a repairer.
  • Following an accident, debris must be removed.
  • Towing fees are incurred.
  • Liability insurance for the general public.
  • Coverage for goods in transit.
  • Accident and sickness insurance for individuals.
  • Employers’ liability insurance is required by law if you hire drivers.
  • Locks and keys are changed or replaced.
  • After a vehicle has been stolen, it must be returned.

Select the most appropriate truck insurance for your company.

You’ll almost certainly need to insure your HGV for business usage, but make sure you tell your insurer how you use it properly.

Transport of one’s own products

If you use your HGV to haul your own tools or equipment to jobs. If you’re a builder, for example, you might use your truck to transport your own huge tools and equipment to a job site.

It will not cover you if you carry someone else’s property.


Haulage insurance is often reserved for truckers transporting a single load to a far drop point. Taking a shipment of products from a port and delivering it to a depot, for example.

It can also include goods-in-transit insurance, which protects the movement of someone else’s property.

Carriage of goods for employment or reward is a type of transportation.

Drivers that deliver to a large number of addresses are usually classified as reward or hire. This could involve courier employment or a delivery driver delivering goods to multiple consumers.

It can cover goods in transit, just like haulage insurance, so you’re covered if you’re transporting someone else’s property.

The distinctions between haulage and carriage of goods for hire or reward are minor, and policy wording may be similar.

If you’re not sure, check with your insurer to see if you have the necessary coverage for how you operate your truck.

Truck insurance with telematics

Telematics policies determine premiums based on the standard and character of your driving using a black box or a mobile phone app.

Things like braking, acceleration, and how long you spend driving will be tracked by the telematics app or device. This information will be used to determine whether your premium will decrease or increase. Your insurance will be less expensive if you drive safely.

It’s common among commercial fleets, where it may be used to track different drivers’ performance.