Truck Insurance from the Specialists

Specialist truck insurance for UK operators, covering owner drivers and haulage businesses operating HGVs for hire and reward or own goods.

With over 40 years’ experience and access to leading UK insurers, we arrange competitive, tailored cover for a wide range of risks.

Insurance for owner drivers and haulage businesses

We can insure virtually any type of HGV—from skip lorries to specialist vehicles up to 150 tonnes GVW.

Whether you operate a single vehicle or a larger fleet, we can arrange cover to suit your business. If you have two or more vehicles, including vans and cars, a fleet insurance policy may offer a more cost-effective solution.

Benefits of individual truck insurance

For many operators, insuring vehicles individually offers important advantages:

Each vehicle builds its own No Claims Discount
A claim on one vehicle does not affect the others
Flexible cover tailored to each vehicle and its use

Vehicles we cover

We can arrange insurance for:

Articulated lorries (including trailer cover if required)
Rigid lorries
Tankers
Tippers
Flatbed trucks (including cranes if required)
Skip lorries
Refrigerated vehicles
Livestock lorries
Vans and support vehicles

👉 Cover available from 7.5 tonnes up to 150 tonnes GVW

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?

Why choose Avis Insurance

Over 40 years’ experience in truck and haulage insurance
Access to specialist insurers not available on the high street
Competitive pricing across a wide range of risks
Discounts available for new ventures
Advice tailored to your business—not a one-size approach
Direct, personal service from experienced brokers
Immediate cover - instant documentation
Flexible payment options

Truck Insurance FAQs

What insurance does a truck or haulage business need?
Most operators require a combination of vehicle insurance, goods in transit cover and liability insurance, depending on the type of work carried out.

What affects truck insurance premiums?
Premiums are influenced by factors such as claims history, driver experience, vehicle type, usage, operating radius and the nature of the goods transported.

Can I insure multiple drivers on one vehicle?
Yes, policies can be arranged to cover multiple drivers. However, this may affect the premium depending on age and experience.

Do I need goods in transit insurance?
If you carry goods belonging to others, goods in transit cover is usually required and is strongly recommended.

Is fleet insurance cheaper than individual policies?
Fleet insurance can be more cost-effective if you operate multiple vehicles, but this depends on your circumstances. We can advise on the best option.

Can I get truck insurance as a new business?
Yes, cover can be arranged for new ventures, although premiums may be higher. Introductory discounts may be available depending on your experience.

Speak to a specialist

For a competitive truck insurance quote, speak directly with a member of our team who understands the truck and haulage insurance market.

👉 Call us or request a quote today on 01628 662666

👉 Explore our haulage insurance solutions

Truck Insurance from 7.5 tonnes to 150 tonnes

Flexible Payment Options Available

Online quote now

Partnerships with the top truck insurance companies in the UK
New ventures as well as established companies very welcome
Insurance cover for lorries with a gross vehicle weight of between 7.5 and 150 tonnes

Truck fleet insurance cover available for 2 or more vehicles
Like-for-Like replacement vehicle whilst yours is off the road following a non-fault accident with Legal Protection cover

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

Goods in transit, liability cover and breakdown cover also available

Avis Insurance will also transfer your no claims bonus. Alternatively, if you’ve earned that no claims bonus on another vehicle but don’t want to transfer it, then subject to underwriting criteria we can offer introductory discounts.

In addition to truck insurance 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 offers the following optional cover:

HGV Breakdown Cover

An out of action lorry means lost business so our comprehensive breakdown cover from National Breakdown is there to get you back up and running as quickly as possible.

Goods in Transit

When carrying others goods and cargo it is vital that those items are protected against any kind of loss, damage or theft. Our goods in transit insurance gives you that peace of mind.

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 an HGV insurance policy?

Our HGV (Heavy Goods Vehicle) insurance covers vehicles with a GVW (Gross Vehicle Weight) of over 7.5 Tonne up to 150 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 truck 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. New ventures can often obtain an introductory discount in order to make the cost of starting a new venture more affordable.

I am starting a new company and have previous experience. Do you offer truck insurance that reflects this?

Yes, large discounts can be offered where proof of experience and claim-free driving can be provided.

Do you offer truck fleet insurance?

Yes, and there is a minimum requirement of only two vehicles to qualify. We have a panel of insurers who will take on new fleets of HGV’s as well as existing.

Will my policy restrict what I can use my truck for?

Most heavy goods vehicles are used for haulage or delivery services, but we understand that everybody's needs are different.

Our team will find the cheapest truck insurance premium whether you use the vehicle for carriage of own goods or for haulage.

Do you offer cover for Lorries carrying hazardous goods?

We can arrange cover for certain categories of hazardous goods. Please contact us with details, and we will refer to our specialist underwriters on your behalf.

What are your weight limitations?

We can provide cover for vehicles with a GVW (Gross Vehicle Weight) of over 7.5 Tonnes and up to 44 Tonnes. In certain circumstances, we can offer cover for vehicles right up to 85 Tonnes!

Who is able to drive my HGV?

We offer cover for drivers aged 25-65 providing the correct licence is held to drive the insured vehicle. Younger drivers can be sometimes be covered - please contact us.

Can I take my truck into Europe?

Yes, we can provide annual green card cover within the EU

What types of goods will my policy allow me to carry?

Typically, HGV insurance policies allow for the carriage of most goods, with the exception of hazardous items. If you require cover for carrying hazardous items please get in touch and we’ll see if we can provide a suitable policy.

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 of our 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.

What level of goods in transit cover do I require?

We offer competitive cover based on RHA conditions of Carriage, CMR or All Risks. Please feel free to discuss your requirements with us.

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

I recently started up my new company and had no hesitation at all to call Avis for my insurance. Michael Ward, Bridge Transport

Great service from the first time I rang them. Kevin helped me with everything, explained every step, very transparent and no hidden information I’m grateful to recommend to everyone in the future! Thanks again Kevin for your professionalism! Alexandru F Stan / Alexym Transport Solutions Ltd

Excellent service all round! Highly recommend. CE Haulage Ltd.

Kevin was very helpful throughout the whole process. Communication was quick and clear, and he made everything straightforward and easy to understand. Really appreciate the support and professional service provided. Amardeep Singh. Glide Haul

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.