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Lorry Insurance








Lorry Insurance
At 1st Choice Insurance, we understand how important lorry insurance is for keeping your business moving. Whether you operate a single HGV or manage an entire fleet of lorries, having the right commercial truck insurance in place ensures your vehicles, goods, and livelihood are protected against unforeseen incidents. We offer competitive, tailored lorry insurance policies that provide robust coverage at affordable rates.

Get a Lorry Insurance Quote Today!
At 1st Choice Insurance, we make getting the right lorry insurance easy and affordable. Whether you need HGV insurance, fleet insurance, or breakdown cover, we’re here to help.
Call our friendly, experienced team on 01743 770500 for a no-obligation quotation or use our Get a Quote Form.
What is Lorry Insurance?
Lorry insurance, also known as HGV insurance, is a specialised type of commercial vehicle insurance designed to cover heavy goods vehicles (HGVs) and lorries used for business purposes. It provides financial protection against road accidents, theft, fire, damage, and third-party claims, ensuring that you can continue operating with minimal disruption.
Whether you’re an independent owner-operator or a business managing a fleet, having the right lorry insurance policy in place is not just a legal requirement, it’s essential for protecting your business from costly risks.

Why is Lorry Insurance Essential?
Owning and operating a lorry comes with significant responsibilities, and having the right insurance is crucial for protecting your vehicle, business, and livelihood.
- Legal Compliance
In the UK, it is a legal requirement to have at least third-party HGV insurance if you operate a lorry. Without adequate coverage, you could face heavy fines, legal penalties, and even business closure.
- Financial Protection
An accident, theft, or breakdown can lead to significant repair and replacement costs. The right lorry insurance policy ensures you’re covered, reducing financial strain on your business.
- Liability Coverage
If your lorry is involved in an accident that results in damage to another vehicle or injury to a third party, you could be liable for large compensation claims. Our HGV insurance policies include liability coverage to protect you from such risks.
- Business Continuity
Breakdowns and accidents can lead to business downtime. With breakdown cover and additional protection, we help keep your fleet moving, reducing losses, and ensuring continuity.

How to Choose the Right Lorry Insurance Policy
Selecting the best lorry insurance for your needs depends on several factors. Here’s what to consider:
- Type of Lorry Use
- Are you transporting goods?
- Do you carry hazardous materials?
- Choose a policy that aligns with your specific business operations.
- Level of Cover Required
- A third-party policy may be the cheapest option, but comprehensive lorry insurance offers greater financial protection.
- Value of the Lorry & Cargo
- High-value vehicles and goods require higher coverage limits.
- Consider goods in transit insurance for additional protection.
- Driver Coverage
- Ensure policies cover all permitted drivers, especially if you operate a fleet.
- Age restrictions and experience levels may affect pricing.
- Additional Extras
- Breakdown cover: Ensures you’re not left stranded.
- Legal expenses cover: Protects against legal disputes.
- Windscreen protection: Covers repair or replacement costs.
Types of Lorry Insurance We Offer
At 1st Choice Insurance, we provide a range of HGV insurance options to suit all business needs:
- Third-Party Only (TPO) Lorry Insurance
- Covers injury or damage caused to third parties.
- The minimum legal requirement in the UK.
- Does not cover damage to your own vehicle.
- Third-Party, Fire & Theft (TPFT) Insurance
- Includes everything in TPO, plus:
- Coverage for theft of your lorry.
- Protection against fire damage.
- Comprehensive Lorry Insurance
- The most complete level of protection, including:
- Third-party liability.
- Accidental damage to your own vehicle.
- Fire and theft protection.
- Repair costs, even if the accident was your fault.
- Covers loss, damage, or theft of goods being transported.
- Essential for haulage, logistics, and courier businesses.
- Fleet Lorry Insurance
- Covers multiple lorries under one policy, making it cost-effective and easier to manage.
- Tailored to businesses operating multiple vehicles.
- Public & Employer’s Liability Insurance
- Protects against claims if someone is injured due to your business operations.
- Mandatory if you employ staff.
- Breakdown Cover for Lorries & HGVs
- Covers emergency roadside assistance and towing in case of mechanical failure.
- Reduces downtime and keeps your business running smoothly.
- Available as an add-on to any lorry insurance policy.
Why Choose 1st Choice Insurance for Your Lorry Insurance?
We pride ourselves on offering flexible and affordable lorry insurance solutions tailored to your business’s needs.
Here’s why thousands of businesses trust 1st Choice Insurance:
• Competitive Quotes – We compare policies from leading insurers to find you the best deal.
• Tailored Coverage – Custom policies designed to fit your business.
• Fast & Simple Process – Get a quick quote with minimal hassle.
• Expert Support – Our team of specialists is here to guide you through every step.
• 24/7 Claims Assistance – Immediate help when you need it most.
Working with some of the biggest insurance companies in the insurance industry, we have access to a wide range of policies for lorry insurance and can offer quick quotations, flexible payment options and instant cover. Not only this, but over 95% of our clients rate our customer service as ‘Excellent’ on REVIEWS.io.
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