Skip Lorry Insurance

Specialist skip lorry insurance for UK operators, covering owner drivers, waste contractors and fleet operators. With over 40 years’ experience and access to leading UK insurers, we arrange competitive, tailored cover for your business.

👉 Get a competitive skip lorry insurance quote today

Insurance for skip hire and waste operators

We arrange skip lorry insurance for a wide range of businesses, including:

Owner drivers
Skip hire companies
Waste and recycling operators
Construction and site operators
Fleet operators

Whether you operate a single vehicle or a larger fleet, we can provide flexible cover to suit your work.

What does skip lorry insurance cover?

Policies can be arranged to include:

Comprehensive, Third Party, Fire & Theft or Third Party Only cover
Breakdown Cover
Legal Expenses Insurance

Additional Essential Cover:

Skip Hire Public Liability Insurance

Cover is tailored to your vehicle, usage and working environment.

Specialist cover for higher-risk operations

Skip lorries often operate in challenging environments, including:

Construction and building sites
Urban and residential areas
Frequent loading and unloading
Use of lifting equipment

We understand these risks and work with insurers who are experienced in providing cover for this type of operation.

Fleet insurance for skip lorries

If you operate two or more vehicles, a fleet insurance policy may offer a more cost-effective solution.

Benefits include:

One renewal date
Flexible payment options
Cover for mixed fleets (including vans and cars)

👉 We can advise whether individual or fleet cover is the best option for your business.

Why choose Avis Insurance

Over 40 years’ experience in truck and haulage insurance
Access to leading UK insurers and specialist underwriters
Expertise in higher-risk vehicles such as skip lorries
Tailored advice based on your operation
Flexible payment options

What affects skip lorry insurance premiums?

Premiums are influenced by:

Claims and accident history
Driver experience
Vehicle type and value
Type of work and operating environment
Location and routes

Providing accurate details helps ensure the right cover is arranged.

Skip lorry insurance FAQs

What is skip lorry insurance?
Insurance designed specifically for vehicles used in skip hire and waste operations.

Can I insure a single skip lorry?
Yes, policies are available for individual vehicles as well as fleets.

Do I need liability insurance?
Specialist Skip Hire Public Liability Insurance is a legal requirement if you leave skips on the public highway.

Is fleet cover cheaper?
Fleet insurance policies can be more cost-effective if you operate two or more vehicles.

Get a skip lorry insurance quote

If you are looking for reliable, competitively priced skip lorry insurance, we can help.

👉 Speak directly with our team for tailored advice

Flexible Payment Options Available

Online quote now

Partnerships with the top skip lorry insurers in the UK
Insurance cover for skip lorries with a gross vehicle weight over 3.5 tonnes
Skip lorry fleet cover available for two or more lorries
All types of cover: Comprehensive, third party, fire and theft, or third party only
All the documents you need delivered promptly
Spread the cost - pay in 10 instalments
Skip liability cover also available

There may be occasions where you need extra cover, maybe to meet the terms of a contract or simply for the peace of mind of knowing that you and your business are always fully protected. Avis Insurance offer the following optional cover:

HGV Breakdown Cover

An out of action lorry means lost business so our a range of breakdown insurance cover is there to get you back up and running as quickly as possible.

Excess Protection

Excess protection insurance covers you against the cost of your insurance excess should you need to make a claim as a result of a fault accident. A choice of indemnity levels mean you can easily select the right protection for your needs.

Liability Insurance

Every business should have at least a basic liability insurance policy to avoid putting the business at risk. We understand this and work with the UK’s leading insurers to ensure you get the most suitable policy for your HGV or lorry business.

What is a Skip Lorry Insurance policy?

Our skip lorry insurance covers vehicles with a Gross Vehicle Weight of over 7.5 Tonne up to 44 Tonnes. Various cover levels are available ranging from fully comprehensive cover down to third party only cover.

Do I need an operator's licence?

You will need an Operator's Licence if your business uses goods vehicles above 3.5 tonnes. There are certain exemptions so if you are unsure please check the VOSA website here. Please bear in mind that it takes on average three months to get your operator's licence so apply as soon as possible. We can offer restricted cover as soon as you make your application and full cover once the licence or an interim licence has been issued.

Do you provide insurance for a new venture?

Yes, we offer cover for new ventures and also for people who have only recently obtained the appropriate HGV licence. In certain circumstances, new ventures can obtain an introductory discount which can help make the cost of starting out more affordable.

I am starting a new company and have previous experience - do you offer commercial insurance that reflects this?

Yes, we can offer generous discounts where proof of experience and claim free driving can be provided. (Subject to underwriting criteria)

Do you offer Skip Lorry Fleet Insurance?

Yes, and you only need two vehicles to qualify. We have a panel of insurers who will take on new fleets of HGVs as well as existing.

Who is able to drive my skip lorry?

We can arrange cover for drivers aged 25-69. Younger drivers can sometimes be covered - please contact us to discuss your requirements.

Will I get a like-for-like replacement vehicle in the event of an accident?

Our optional legal protection policy, as well as providing a valuable claims management service, will provide a vehicle of similar type and size if you’re involved in a non-fault accident (subject to availability).

What duration of cover can you arrange?

All HGV insurance policies run for a 12-month period.

Do I need Employers Liability Insurance?

Employers Liability insurance is compulsory if you have employees. It enables the employer to meet the cost of compensation should injuries or illness to employees occur as a result of their job.

Our full range of policies

Truck Insurance from the Specialists

Specialist Truck & HGV Fleet Insurance

Skip Lorry Insurance

Skip Hire Public Liability Insurance

Goods-in-Transit Insurance

Plant and Machinery Insurance

Special Types Insurance

Hauliers' Liability Insurance

Scaffolders' Liability Insurance

Roofers' Public Liability Insurance

What our clients say

Great to deal with. McGill Transport Ltd

They are doing a fantastic job: they are knowledgeable and share that knowledge when you ask. Always give fantastic advice. I feel that Avis Insurance is always on my side and looks after my best interests. Thank you. Jonas Trans Ltd

Kevin was very helpful, where other insurance companies weren't willing to help. Kevin took the time to listen to my needs and found a policy to suit. Would highly recommend. Alex Bebbington

Kevin was amazing, he helped us to choose the right insurance policy for a good price. SD Delivery Solutions

Speak to our friendly, knowledgeable team today and let us find you the most competitive Lorry insurance, Truck Fleet insurance, road haulage insurance, commercial vehicle insurance, Goods-in-Transit and Public & Employers’ Liability available anywhere on the market! Enter your number, and one of our friendly team will give you a call.