Truck Insurance
Looking for competitive truck insurance that’s backed by outstanding customer care? Call the JMG Sandbach team today on 01782 308 372 and let our independent specialists compare the market to find you the HGV insurance that’s right for you. Whether you need HGV or HGV fleet insurance call us on 01782 308 372 or contact us today.
Why Get Your HGV Insurance From JMG Sandbach?
Since our founding in 1995, we’ve helped lots of hauliers, logistics firms and other lorry owning businesses get the competitive truck and HGV insurance they need. Our clients choose us as we offer a fantastic combination of service and value that gives you:
- Highly competitive cover from leading insurers
- Personal service from quote to claim
- Independent advice
- Help from specialists who are truck insurance experts
To experience our exceptional service for yourself, call us on 01782 308 372 or contact us and let our team help you get the truck insurance that’s right for you.
What is truck insurance?
Truck insurance – heavy truck, lorry, or HGV insurance as it’s also known – provides lorry owners, haulage firms, and other heavy goods vehicle users with the protection they need to drive their vehicles on public roads.
What policies can be included on An HGV insurance policy?
Truck insurance can protect heavy goods vehicle owners and drivers against several risks, such as:
- Accidents – whether they are your fault or not
- Loss/damage due to fire
- Theft
- Public liability claims – if you include public liability insurance in your HGV insurance policy, then if one of your truck drivers accidentally injures a member of the public or damages their property and they decide to sue, you’ll be covered. Public liability insurance of between £1m and £10m can protect you from any losses should a court find you/your business liable
- Employers’ liability claims – if you employ any drivers, be they full-time or part-time, then employers’ liability insurance is a legal requirement. It provides protection in the event of an employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) in place to protect your employees in case they are injured or become ill because of working for you. Your policy must:
- Cover you for at least £5 million
- Be with an authorised insurer
- Employers must also provide a safe working environment
- Goods in transit insurance – goods in transit insurance protects cargo while it’s being moved or stored by you. Should your cargo or your own goods be damaged, lost, or stolen while in transit, you’ll be able to claim for any losses
- European cover – European cover will insure your trucks while they do continental runs
- Loss of licence – if you were to lose your HGV licence, loss of licence cover would compensate you for losses for an agreed period
- Legal disputes – covers you in case someone makes a compensation claim against you or your company. If you have legal fee cover as part of your truck legal protection insurance, that will fund the defence of the action
- Truck breakdown and recovery – if your truck is off the road, it’s costing you money. Truck breakdown and recovery insurance can help get your lorries back on the road and back in business more quickly
Who needs HGV insurance?
If you or your business uses heavy goods vehicles or similar heavy trucks, then you need HGV insurance. Our truck insurance clients include:
- Haulage contractors
- Removal firms
- Freight forwarders
- Storage and logistics businesses
- Businesses delivering large quantities of customers’ goods
- Businesses delivering supplies to other parts of the business in other locations
- Owner-operator truck drivers
To find out more or to get a truck insurance quote, please call us on 01782 308 372 or contact us and let our team help you get the HGV insurance that’s right for you.
What is HGV fleet insurance?
HGV or truck fleet insurance is for businesses with several trucks in need of cover. The advantages of HGV fleet insurance are:
- Save money – by insuring multiple vehicles with HGV fleet insurance, you can reduce your per-vehicle insurance costs
- Save time – having one policy to administer means fleet insurance can save you admin time versus having to look after several single vehicle policies
- Enjoy greater flexibility – you can add or remove vehicles and drivers as you need to, without the need to get a new quote and policy. You can also insure your entire team to drive your vehicles with an any-driver policy
- Get cover for complex driving risks – whether you need cover for young or newly qualified drivers or those with a chequered claims history, an any-driver policy could enable you to cover the drivers you need more easily
What levels of truck insurance are there?
Like car insurance, there are three levels of truck insurance:
- Third-party – the minimum legal requirement to drive your truck on the road. This will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault
- Third-party, fire, and theft – this will ensure that you are covered should you damage someone else’s vehicle if the accident is your fault or if one or more of your trucks is accidentally damaged or destroyed by fire or stolen
- Fully comprehensive – provides the same cover as third-party, fire, and theft, but if an incident is your fault, then repairs to your truck will be covered
What types of vehicles can be covered by HGV insurance?
A wide range of heavy goods vehicles can be covered by HGV insurance, including:
- Heavy goods vehicles between 3 and 100 gross traction value (GTV)
- Bulk carriers
- Low loaders
- Tankers
- Breakdown trucks
- Skip carriers
- Tippers
- Gritters
- Curtainside lorries
- Cement mixers
- Refrigerated and insulated lorries and vans
How much does truck insurance cost?
Your truck insurance premiums will be calculated based on factors such as:
- How many trucks do you have
- Their value
- The distances you are carrying goods over
- Your claims history
- Whether you want to pay monthly or annually, annually will usually be cheaper
- Your no-claims bonus
- The type of goods you are carrying – hazardous goods will push up your premiums
- Your business’s postcode
- The level of security at your yard/where your lorries are stored overnight and at weekends
- The age of your drivers
- The age/condition of your vehicles
To find out more or to get a truck insurance quote, please call us on 01782 308 372 or contact us today.
How to save on truck insurance
There are a few ways you can potentially get cheaper truck insurance, including:
- Use an independent insurance broker such as JMG Sandbach. Thanks to our range of insurer contacts and our own underwriting facilities, we can compare the market and find you great cover for a highly competitive premium
- Renew early – get in touch with your broker a couple of months ahead of renewal to give them time to find you the best deal
- Set a higher excess, the amount you pay in the event of a claim – this will also reduce the chance of you making small claims that will affect your no-claims discount
- Build up your no-claims bonus
- Improve your truck’s security – fitting dashcams, trackers, and telematics systems can all help reduce costs
- Get a named rather than an any driver policy
- Keep the number of young drivers to a minimum and try and reduce their mileage
- Get a truck fleet insurance quote – if you have several trucks in need of cover, then a truck fleet insurance quotecan give you cheaper per-truck cover and less admin
Truck insurance FAQ
Truck insurance can be a complicated area of cover. To help you get the protection you need, here are our truck insurance frequently asked questions. We hope they’ll be of use, but if you’d like some personalised, independent help, then please call us on 01782 308 372 or contact us and one of our insurance specialists will be happy to assist you.
Yes, you will need truck insurance to drive your vehicles on public roads
There are several ways to get cheaper truck or HGV insurance, including using an independent insurance broker, raising your excess, building up your no-claims bonus, and going for a truck fleet insurance policy if you have multiple vehicles to insure
Yes, if the no-claims bonus was earned on trucks in the UK
If you want to drive anything over a 3.5-tonne vehicle, you’ll need an operator’s licence. This applies whether you’re carrying your goods or others for money, so-called hire and reward
Many insurers won’t cover drivers under 21, and drivers aged 69 or over can also be challenging. Thanks to our wide range of truck insurance providers, we can be flexible and can get truck insurance quotes for even challenging risks. If you’d like some independent help, then please call us on 01782 308 372 or contact us, and one of our truck insurance specialists will be happy to assist you.
If you’re starting your own business and need a truck insurance quote, then a simple way to potentially cut the cost of your cover is to obtain an employee declaration from your previous employer outlining your experience
Yes, and popular ones include goods in transit insurance, truck breakdown and recovery insurance, loss of licence, and employers’ and public liability insurance
Yes, we can offer you truck breakdown and recovery insurance
Getting a truck insurance quote from us is easy. You can call us on 01782 308 372 or contact us today, and one of our truck insurance specialists will be happy to help. Thanks to our wide range of insurer partners and our own underwriting teams, we can compare our markets to find you the cover you need at a premium you’ll like
Contact JMG Sandbach
If you’d like some independent insurance advice or commercial insurance quote, please call our experienced team of independent insurance experts on 01782 308 372 or contact us today and we’ll give you all the help you need protecting what matters to you.