Starting a haulage business can be an exciting step, but arranging the right insurance is often one of the biggest challenges for new operators.

At Avis Insurance, we specialise in arranging insurance for:

• New haulage businesses
• First-time owner drivers
• Start-up HGV operators
• Newly formed limited companies
• Drivers moving from employment into self-employment

With over 40 years’ experience in the truck and haulage insurance market, we understand the challenges faced by new ventures and can help arrange competitive cover tailored to your business.

👉 Speak to a specialist today on 01628 662666

Insurance for New Haulage Operators

New businesses are often viewed as a higher risk by insurers, particularly where there is:

• No previous insurance history
• No earned No Claims Discount
• A newly formed company
• A first Operator’s Licence application

However, this does not mean affordable insurance is impossible.

At Avis Insurance, we work with leading insurers and specialist underwriters who understand the haulage sector and are willing to consider new ventures on their merits.

Want to understand what affects HGV insurance premiums?

Premiums can vary significantly depending on:

• Driver experience
• Claims history
• Type of work
• Vehicle value
• Goods carried

👉 Read our guide: How Much Does HGV Insurance Cost in the UK?

What Insurance Does a New Haulage Business Need?

HGV / Truck Insurance

You will usually require:

• Comprehensive, Third Party Fire & Theft or Third Party Only cover
• Insurance for carriage of goods for hire and reward
• Cover suitable for commercial haulage operations

We can arrange cover for:

• Individual trucks
• Articulated lorries
• Rigid vehicles
• Tippers
• Skip lorries
• Refrigerated vehicles
• Vans and mixed fleets

Goods in Transit Insurance

If you carry goods belonging to others, goods in transit insurance is usually essential.

We can arrange:

• All Risks cover
• RHA conditions cover
• CMR cover for European use

👉 This is particularly important if working for major operators such as Amazon or Maritime.

Public Liability Insurance

Protects your business against claims for:

• Third-party injury
• Property damage

Often required by contracts and site operators.

Employers’ Liability Insurance

If you employ staff or drivers, Employers’ Liability insurance is a legal requirement.

We can arrange cover up to £10 million.

Operator’s Licence and Insurance

If you operate goods vehicles over 3.5 tonnes, you will usually require an Operator’s Licence.

Many new operators do not realise:
👉 Insurance and Operator’s Licence applications often go hand in hand.

We can often arrange:

• Restricted cover while your application is progressing
• Full cover once your licence or interim authority is issued

Introductory No Claims Discounts for New Ventures

One of the biggest concerns for new operators is the lack of earned No Claims Discount.

As specialist truck insurance brokers, we understand that experienced drivers should not necessarily be penalised for starting their own business.

Subject to underwriting criteria, we can often secure introductory discounts where you have:

• Previous HGV driving experience
• Experience working for another haulage company
• Another insured commercial vehicle
• A good claims history

👉 Helping reduce the cost of starting your business.

Common Challenges for New Haulage Businesses

New operators often face:

• Higher insurance premiums
• Limited insurer appetite
• Contract-specific insurance requirements
• Difficulties obtaining goods in transit cover

This is where specialist advice becomes important.

We can help ensure:

• Your policy structure is correct
• Contract requirements are met
• You avoid gaps in cover

Working for Amazon, Maritime or Major Logistics Operators?

Many contracts require enhanced insurance limits, particularly for goods in transit.

For example:

• Amazon often requires £100,000–£180,000 All Risks cover per vehicle
• Maritime contracts may require enhanced RHA limits

We can arrange policies tailored to these requirements.

Why Choose Avis Insurance?

• Over 40 years’ experience in haulage insurance
• Access to leading UK insurers and specialist underwriters
• Experience arranging cover for new ventures
• Competitive introductory discounts available
• Direct, personal service from experienced specialists

👉 We understand the challenges of starting a haulage business and can guide you through the process.

Frequently Asked Questions

Can I get haulage insurance as a new business?

Yes. While premiums may be higher initially, specialist insurers and introductory discounts may be available depending on your experience.

Do I need goods in transit insurance?

If you carry goods belonging to others, goods in transit cover is strongly recommended and often contractually required.

Can I get insurance before my Operator’s Licence is approved?

Yes. Restricted cover can often be arranged while your application is being processed.

Will previous driving experience help reduce premiums?

In many cases, yes. Previous HGV driving experience can help insurers assess your risk more favourably.

Get a Quote for Your New Haulage Business

If you are starting a haulage business or becoming an owner driver, we can help arrange the right insurance at a competitive price.

👉 Call 01628 662666
👉 Speak directly with a specialist today