Truck Insurance Guide

Who are we?

Avis Insurance Services Ltd is an insurance intermediary authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number (FRN) is 306218. You can check this on the Financial Conduct Authority register by visiting the FCA website at or by telephoning the FCA on 0800 111 6768.

Avis Insurance have been arranging good value Truck insurance for over 30 years and we offer policies from all of the major UK insurers. We understand the need to keep your vehicle on the road following a road traffic accident and offer at no cost to you a like for like replacement vehicle in the event of a non fault accident. We also offer many other insurance products for HGV operators at very competitive premiums such as Goods in Transit Insurance and Public Liability Insurance.

My Truck Insurance Cover

How you are carrying your goods determine what HGV insurance cover you will require:

  • Carriage of Own Goods Insurance – for the carriage of your business goods only and a typical example is a Groundworker, Scaffolder.
  • Haulage Insurance (Carriage of Goods For Hire and Reward) – this cover will be required if you are charging to deliver someone else’s goods.

HGV Insurance follows the traditional types of cover of Comprehensive, Third Party Fire and Theft and Third Party Only. Comprehensive and Third Party Fire & Theft policies will carry an excess – the first part of any insurance claim which you are responsible for. Typically the excess is £500. Cover can be arranged for all types of policyholders which include sole proprietors, partnerships, limited companies, charities and other organisations.

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 you can 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.

Who Can Drive on my Truck Insurance Policy?

Our policies aim to keep you moving and we can accommodate most drivers over 25 subject to the usual underwriting criteria. We can also often cover drivers under 25 depending on the size of the vehicle and how long they have held the relevant HGV licence. Generous discounts are given where there is only one driver or named drivers over 25. That said, it is usually better to arrange an 'Any Driver' policy where your drivers are subject to frequent change. Please bear in mind though that even with 'Any Driver' policies you must check and advise us of the claims and conviction history of all drivers.

I’ve had a Truck Insurance Policy for many years but still want to reduce my HGV insurance premium

We have been active in the HGV Insurance market for over 30 years. There are many schemes with insurers and brokers that will give no more than 40% No Claims Discount if you have over 5 years claim free insurance. We have schemes with many large insurers who offer No Claims Discount entitlement up to 60%. We constantly perform market exercise making us aware of our competition thereby ensuring that we remain competitive.

I want to start a Haulage business – how do I get a good deal on my Truck Insurance?

We understand that a huge cost when starting your haulage business will be your haulage insurance. Earned no claims discount is usually a large factor of consideration with HGV insurance companies. We do not believe in penalising an experienced lorry driver for not earning No Claims Discount. We have negotiated huge introductory discounts from many of our insurance partners and pass these incredible discounts onto our customers. For example:

  • we can give an Introductory No Claims Discount if you are an experienced lorry driver
  • we can give an Introductory No Claims Discount if you have another lorry being insured elsewhere
  • we can give an Introductory No Claims Discount if you have experience driving for a previous employer

I may need to deliver goods into Europe?

UK Truck Insurance is the standard contract. However it is becoming more regular that foreign use insurance is required. Temporary foreign use insurance to European countries can be easily issued with a Green card extension. If regular foreign use travel occurs then we can easily provide Annual cover for European HGV insurance by issuing an Annual Green Card.

I’m expanding my business and want more HGV vehicles

We are a specialist truck insurance broker and have access to many Haulage Insurance and Fleet Insurance markets. Our typical truck insurance schemes are designed for policyholders with up to 3 vehicles. If you have more then we may be able to offer you a Fleet policy at even lower rates.

Types of Commercial Truck Insurance policyholders

The majority of HGV Insurance policyholders are Haulage Contractors with policy terms of Carriage of Goods for Hire and Reward. There are also many Own Goods Operators options, for example Landscapers and Landscape Gardeners, Scaffolders and Groundworkers. Obtaining Competitive quotes for Skip Insurance can be difficult, as a specialist in this area however, Avis insurance is able to offer competitive premiums for both Skip Lorry and Skip Liability Insurance (should you leave your skips on the public highway).

What else will I need?

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 Insurance is usually a must for all policyholders. We have facilities with large insurance companies and can offer all types of Goods In Transit Insurance. For example, Goods In Transit All Risks cover up to any specified amount, GIT Insurance with RHA conditions of carriage, CMR cover for all types of goods. We can offer this for individual HGVs and also multiple vehicles. UK and EU use can also be offered.

Legal Protection Cover: This is a very useful (and inexpensive) add-on to any policy. In the event of a non-fault accident your Legal Protection insurers would provide, free of charge, legal help and cover solicitor’s fees to assist you in claiming back any uninsured losses, such as policy excess, loss of earnings, and claims for any injuries sustained. They could also provide you with a replacement like-for-like vehicle whilst yours is being repaired.

Public Liability Insurance: This type of insurance is there to protect you in the event of a claim if you are legally responsible for damage to third party property or injuries to other people. It provides peace of mind at relatively little cost.

Employers Liability Insurance: If you have employees then you are legally obliged to hold this cover. It insures you up to £10 million for claims made against you by employees for work related injuries

* Quite often, Public and Employer’s Liability cover can be combined within your Goods-in-Transit policy, thus saving you time and money. Of course, if yours is a more complex risk then cover can be arranged separately.

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