HGV Insurance

Find policies for HGV’s starting at 3 tonnes

Kompare will assist you every step of the way. We work and kompare prices from the UK’s leading HGV insurers so you don’t have to.

Finding cheap HGV insurance is just one click away.


If you drive a Heavy Goods Vehicle (HGV) for a living, then you’ll understand that it’s a legal requirement to have your vehicle insured – and you want to make sure that your policy offers protection to you and other drivers. 

We help find cover for all HGV’s, Lorries and Trucks from 3 tonnes to over 60 tonnes. We can help with finding benefits and extras that suit your needs - it’s as simple or as complex as you need it to be.

When you look for a HGV policy, you’ll be asked for the same contact and personal details as you would when buying cover for any other type of vehicle. Expect questions on things such as the nature of your business, and the weight of your vehicle.

Cheap HGV Insurance

Finding cheap HGV insurance is just one click away.

What Are The Different Levels Of Cover I Can Purchase?

When taking out a HGV insurance policy, you’ll be asked which type of cover you’d like to purchase. There are three levels of cover. Here are your options:

Fully Comprehensive

This is the most extensive level of cover available. It includes third-party, fire & theft. This protects you and other motorists from any damage you cause, as well as covering medical expenses.

Third-Party, Fire & Theft

This level of cover helps you if you’re responsible for damage to other people, passengers or their property and it will cover the cost of repairs. You are also covered if your HGV get stolen or damaged by fire. HOWEVER, if you’re responsible for an accident, this level of cover will not help pay for repairs to your vehicles or any medical expenses, you will have to pay the costs.

Third-Party Only

This is the most basic level of cover you can purchase and the lowest that it legally required. This will help pay for any damage you cause to other vehicles and property. There is no cover for you or your HGV. If your vehicle is damaged or stolen, you won’t be able to claim back the cost.

Unsure About Which Cover You Need?

If you’re unsure about which policy you need to take out, you can give one our specialist agents a call on 0800 812 1000 and they’ll be able to assist you with any questions that you may have. Alternatively, you can request for us to call you at a convenient time.

Cheap HGV Insurance

Finding cheap HGV insurance is just one click away.

Frequently Asked Questions

We understand that taking out HGV insurance can seem quite daunting. That’s why we’ve put together a collection of FAQs to answer any questions that you may have.

We doubt that will happen. Our insurers cover all types of HGV vehicles; including Tipper, Flatbed, Box, Container and Refrigerated, among others as well. If you’re type of HGV isn’t listed on our form, contact us and we’ll see what we can do.
We understand that the majority of people who drive HGVs use them for haulage or delivery services. However, we know that there are people out there who use them for different reasons. We will work with you to find the policy that suits your needs.
Absolutely! We can find cover for new ventures as well as finding cover for people who have recently obtained a HGV licence.
In order to carry goods connected with any trade or business and if your vehicle is more than 3.5 tonnes, you will need an operators’ licence. However, it’s best to check with VOSA about certain exemptions.