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HGV Fleet Insurance
HGV Fleet Insurance
At 1st Choice Insurance, we provide tailored HGV fleet insurance solutions designed to meet the specific needs of haulage and logistics businesses. Whether you manage two or a hundred heavy goods vehicles, we offer robust, reliable cover that ensures your business can continue to run smoothly, compliantly, and with minimal disruption.
Managing a fleet of HGVs involves complex logistics and a wide range of risks. From road incidents to damage, driver issues to goods in transit, having the right truck fleet insurance in place is essential. Our expert team works closely with you to understand your requirements and arrange a comprehensive policy that delivers the protection your vehicles, drivers, and cargo need.
Get a HGV Fleet Insurance Quote Today
If you’re looking to compare HGV fleet insurance quotes, 1st Choice is here to help. Call our friendly, experienced team on 03301 081615 for any commercial insurance advice and a no obligation quote or you can use our Get a Quote form to request a call back.
What is HGV Fleet Insurance?
HGV Fleet Insurance, also known as Truck Fleet Insurance, is a commercial motor insurance policy designed to cover multiple heavy goods vehicles under a single policy. Rather than insuring each lorry individually, businesses can manage their entire fleet with one policy, simplifying administration and ensuring consistent coverage across all vehicles.
This type of insurance is suitable for a wide range of commercial vehicle types, including:
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Articulated lorries
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Tipper trucks
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Curtain-sided HGVs
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Tankers
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Flatbed trucks
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Refrigerated lorries
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Rigid-body trucks
Whether your vehicles are used for national deliveries or cross-border transport, HGV fleet insurance provides comprehensive protection and operational consistency.
What Does HGV Fleet Insurance Cover?
Our truck fleet insurance policies are built to reflect the realities of modern haulage. Core policy features include:
Vehicle Damage and Loss
Protection for your HGVs against damage from accidents, fire, theft, vandalism, or natural events.
Third-Party Liability
Covers compensation costs and legal fees if your drivers cause injury or property damage to others while operating a vehicle.
Comprehensive Cover
Combines third-party, fire, theft, and own-vehicle damage into a single, all-inclusive policy.
Goods in Transit Cover
Protects goods carried in your vehicles against loss, theft, or damage while in transit.
Employer’s Liability Insurance
Cover against claims from employees who are injured or fall ill as a result of their work for you.
Public Liability Insurance
Covers legal liability for injury or damage to third parties caused during the operation of your business.
Breakdown Assistance
Optional breakdown cover to support vehicle recovery and roadside assistance in the event of mechanical failure.
Legal Expenses
Cover for legal defence and associated costs following an incident or dispute.
Who Should Consider HGV Fleet Insurance?
HGV fleet insurance is essential for any business operating two or more trucks or lorries for commercial purposes. Typical businesses that require truck fleet insurance include:
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Haulage and freight transport companies
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Logistics and supply chain firms
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Construction and engineering firms operating tipper or flatbed lorries
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Food and retail distributors using refrigerated HGVs
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Courier and delivery companies with large vehicle fleets
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Waste and recycling companies
If you manage a fleet of HGVs, no matter the size or sector, a dedicated fleet insurance policy provides unified protection and easier management.
Key Benefits of HGV Fleet Insurance
Choosing a dedicated HGV fleet insurance policy from 1st Choice Insurance offers a range of practical and operational benefits:
✔ One Policy for All Vehicles
Combine your vehicle cover under a single policy, making fleet management simpler and more efficient.
✔ Single Renewal Date
Avoid the hassle of tracking multiple policies with a single annual renewal date for the entire fleet.
✔ Flexible Driver Options
Choose between named drivers, any driver over a specific age, or fully open driver policies, depending on your requirements.
✔ Tailored Protection
Every business is different. Your policy is customised to reflect your vehicle types, journey routes, operating regions, and sector risks.
✔ Dedicated Account Management
Work with experienced independent insurance brokers who understand your business and provide hands-on support throughout the policy term.
✔ Risk Management Services
We can provide driver training, safety protocols, telematics systems, and incident prevention strategies to support long-term risk control.
Why Choose 1st Choice Insurance for HGV Fleet Insurance?
At 1st Choice Insurance, we believe exceptional service means more than just arranging a policy. We take the time to understand the nature of your business, your vehicle operations, and the specific challenges of managing a fleet. That way, we can provide HGV fleet insurance that’s tailored to your needs.
Our experienced team is committed to building lasting relationships with our clients. We know that no two fleets are the same, and we’re here to support you with clear guidance, reliable cover, and a personal approach at every stage.
Personalised Service
We don’t just arrange insurance, we take the time to learn how your fleet operates, what goods you transport, and what risks your business faces. That enables us to recommend the right level of truck fleet insurance cover for your business.
Exceptional Customer Care
Your fleet is essential to your business, and supporting you is essential to ours. Our friendly and knowledgeable team is committed to ensuring you feel informed, confident, and supported throughout your time with us, from initial quote to ongoing service.
Comprehensive Protection
From vehicle damage and third-party liability to goods in transit and driver cover, our HGV fleet insurance policies are designed to protect all areas of your transport operations.
Ongoing Support
We’re here for the long haul. Whether you need to make a claim, adjust your cover, or simply ask for advice, our team responds quickly, professionally, and with your business’s best interests in mind.
