Lorry Insurance — HGV, Truck & Heavy Goods Vehicle Cover
Lorry insurance covers vehicles over 3.5 tonnes — from 3-tonne curtain-siders to 44-tonne HGVs. Standard van insurance does not cover heavy goods vehicles or the commercial risks of haulage operations. You need a specialist HGV policy that covers your vehicle, your cargo, your drivers, and your liability to the public.
At Vehicle Cover, we offer lorry insurance for single trucks and fleets, covering carriage of own goods and hire and reward operations. Our policies include options for comprehensive, third-party fire and theft, or third-party only cover. Optional extensions include goods in transit, public liability, employer's liability, European cover, loss of licence protection, and breakdown recovery.
We insure all types of heavy goods vehicles — curtain-siders, flatbeds, tippers, tankers, skip carriers, bulk carriers, refrigerated lorries, cement mixers, gritter lorries, breakdown trucks, low loaders, and electric or hybrid trucks.
Get a quote online or call us on 01323 416706.
Why Our Lorry Insurance
1. Comprehensive, TPFT, or third-party only cover
2. Single truck or fleet policies available
3. Carriage of own goods and hire and reward
4. Goods in transit cover available
5. European cover available
6. Loss of licence protection available
What's NOT Covered
1. Vehicles under 3.5 tonnes (standard van insurance applies)
2. Racing, track days, or motor trade use
3. Wear and tear or mechanical breakdown
4. Unlicensed or unqualified drivers
5. Cargo not declared on the policy
Key Features of Our Lorry Insurance
Running a haulage or logistics operation means your lorries are critical to your business. Vehicle Cover provides specialist lorry insurance that covers the risks standard vehicle policies do not address.
All HGV Types Covered
From 3.5-tonne curtain-siders to 44-tonne articulated lorries — flatbeds, tippers, tankers, skip carriers, and specialist vehicles are all covered.
Goods in Transit Available
Protect your cargo from loss, theft, or damage while it is being transported. Essential cover for haulage and delivery operations.
Vehicle Cover has worked with lorry operators since 2019, connecting thousands of customers with the right cover from our panel of specialist insurers. Whether you run a single truck or a national fleet, we find competitive quotes tailored to your operation.
Carriage of own goods and hire and reward
Named driver or any-driver fleet policies
Loss of licence and breakdown recovery options
European cover for cross-border operations
● DETAILS
Additional Lorry Insurance Details
3-tonne curtains side or 44-tonne HGV
Since 2019, we've connected thousands of satisfied customers with the right cover from our carefully selected panel of insurers.
We offer HGV, truck, and lorry insurancefor vehicles over 3.5 tonnes, giving you the cover you need and protecting your important assets.
At UK Sure, we're your go-to specialist insurance broker! If you run a “wheeled” business, we're ready to guide you and recommend the perfect insurance cover tailored to your needs. Since 2019, we've connected thousands of satisfied customers with the right cover from our carefully selected panel of insurers.
Compare Lorry Insurance Quotes
Single Truck Insurance for 3.5 to 44-tonne models
Truck Insurance for carriage of own goods and/or hire & reward
We compare and provide you with the right policy
HGV insurance – or lorry insurance as it’s also known – is a policy that protectslorry owners, haulage firms, and other heavy goods vehicle usersfrom the risks they face each day. These risks include:
Loss/damage to your lorry through fire
Theft of your vehicle
Public liability– should you accidentally injure someone or damage their property
Employers’ liability– if you employ any drivers
Loss of licence– 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
Goods in transit– protecting your cargo from loss, theft, or damage while it’s transported
Several vehicles can be insured on a lorry policy with UK Sure, for example:
Heavy goods vehicles over 3.5 tonnes
Electric and hybrid trucks
Flatbeds (with or without lifting equipment)
Curtain sides lorries
Refrigerated and insulated lorries and vans
While each truck insurance policy varies based on individual needs, several common types of cover are worth knowing. Here are some of the most prevalent types found in truck insurance policies:Fleet Insurance Ideal for companies with multiple trucks, fleet insurance allows you to insure all vehicles under one policy, simplifying administration and often saving money compared to insuring each car separately. Public Liability This cover protects against claims if a public member is injured due to your negligence, making it particularly beneficial for trucking companies with numerous vehicles on the road. Contents Cover Essential for trucks transporting goods, contents cover ensures you are compensated for damaged or stolen items, especially valuable or sensitive cargo. European Cover For companies operating across multiple countries, European Cover provides insurance for trucks both domestically and abroad. Comprehensive Insurance This type of cover protects against collisions regardless of fault and typically includes protection for fire, theft, and vandalism. Legal Fees Including legal fee cover can help manage the costs of defending against compensation claims made against you or your company. Loss of Licence Though not standard, loss of licence cover compensates you for an agreed period if you lose your driving licence. Breakdown Recovery This vital cover ensures you're supported in the event of a breakdown while on the road. These cover types can vary, depending on the specific truck needing insurance, such as HGVs, recovery trucks, flatbed trucks, tipper trucks, refrigerated trucks, gritter lorries, or specialist trucks like cement mixers and livestock lorries. Always shop around for the best quotes to suit your needs.
Carriage of own goods and/or hire & reward
Single Truck Insurance for 3.5 to 44-tonne models
Several vehicles can be insured on a lorry policy
Compare Lorry Insurance Quotes
Heavy goods vehicles over 3.5 tonnes
Electric and hybrid trucks
Flatbeds (with or without lifting equipment)
Refrigerated and insulated lorries and vans
● FAQS
Frequently asked questions
1. What is lorry insurance?
Lorry insurance — also called HGV insurance or truck insurance — is a specialist commercial vehicle policy for vehicles over 3.5 tonnes. It covers the vehicle, your drivers, and optionally your cargo and liability. Call us on 01323 416706 for a quote.
2. What types of lorries do you insure?
We insure curtain-siders, flatbeds, tippers, tankers, skip carriers, bulk carriers, refrigerated lorries, cement mixers, gritter lorries, breakdown trucks, low loaders, and electric or hybrid HGVs.
3. Do you offer fleet lorry insurance?
Yes. If you operate two or more lorries, a fleet policy can save money with one renewal date and simplified admin. Named driver or any-driver options are available. Call 01323 416706 to discuss.
4. Is goods in transit cover included?
Goods in transit is an optional extension that protects your cargo from loss, theft, or damage while being transported. It is not included as standard but can be added to your policy.
5. Can I get European cover for my lorry?
Yes. European cover is available as an optional extension for lorries operating across multiple countries. Check the territorial limits with our team on 01323 416706.
6. What is loss of licence cover?
Loss of licence cover compensates you for an agreed period if you lose your driving licence and cannot operate your lorry. This is an optional add-on — not included as standard. Ask our team for details.
7. What insurance do I need for a lorry?
If you're using it for work, such as driving in between jobs, carrying equipment around, or making deliveries, you will need a commercial insurance policy.
8. What is a lorry in the UK?
Lorries are large vehicles used for transporting goods by road. The word lorry is thought to come from the verb lurry, which according to the Oxford English Dictionary, dates back to the 17th century, and means “to carry or drag along”.
9. Is it worth getting HGV Licence UK?
Well, rest assured, once you have your HGV licence, you'll be open to lots of different driving jobs. Further to this, we are also looking at a future-proof job as the need for an HGV driver is not going to be disappearing anytime soon!
10. What is the difference between a lorry and a HGV?
Heavy Goods Vehicles (HGVs) are defined in the UK as any commercial vehicle with a weight of over 3,500kg, or 3.5 tonnes. They include vehicles like lorries and tankers - but also large specialist vehicles like fire engines and mobile cranes.
11. What does lorry insurance cover?
It can cover vehicle damage, third-party liability, goods in transit, breakdown cover, and legal expenses depending on the policy.
12. Do I need lorry insurance for private use?
Yes, if the lorry is used on public roads, you must have insurance by law.
13. What types of lorries can be insured?
Most types including articulated lorries, flatbeds, tippers, refrigerated lorries, and curtain siders.
14. Is lorry insurance more expensive than van insurance?
Generally, yes. Due to size, value, and usage, premiums are often higher for lorries.
