HGV Fleet Insurance
Specialist HGV fleet insurance for haulage contractors and logistics operators. Cover for lorries, trucks, and articulated vehicles, with options for goods in transit, CMR liability, and operator licence compliance documentation.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What Does HGV Fleet Insurance Cover?
HGV fleet insurance provides motor cover for heavy goods vehicles under a single policy. Cover typically includes:
Accidental Damage
Comprehensive cover for damage to HGVs in accidents, including third party and own vehicle damage.
Theft & Fire
Protection against theft of fleet vehicles and damage caused by fire.
Third Party Liability
Cover for damage or injury caused to third parties by any vehicle in the fleet.
Trailer Cover
Cover for owned and hired-in trailers, including detached trailer liability.
European Cover
Extension for HGVs operating in Europe, including minimum legal requirements in each country.
Windscreen Cover
Repair or replacement of windscreens and glass across the fleet.
Breakdown Cover
Optional roadside assistance and recovery to minimise vehicle downtime.
Goods in Transit
Optional extension for cargo carried in fleet vehicles.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Operator Licence Compliance
Policy documentation structured to satisfy Traffic Commissioner and operator licence requirements.
Trailer Cover Available
Cover for owned and hired-in trailers alongside the tractor unit fleet.
CMR Liability
International haulage cover including CMR liability for cross-border operations.
Single Renewal Date
One policy, one renewal date — simplifying fleet administration for busy haulage operations.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- Haulage contractors with 3 or more HGVs
- Logistics and distribution businesses operating lorry fleets
- Articulated truck and tractor unit operators
- International haulage businesses requiring CMR cover
- Owner-operators managing a small fleet of lorries
- Businesses seeking to consolidate individual HGV policies onto a single fleet policy
What We'll Need for Your Quote
- 1Full list of vehicles (registration, make, model, year, GVW)
- 2Operator licence number and type (standard national/international)
- 3Number of drivers and age range
- 4Annual mileage per vehicle (estimated)
- 5Claims history for the past 3–5 years
- 6Type of haulage (general, hazardous, refrigerated, international)
Frequently Asked Questions
What vehicles does HGV fleet insurance cover?
Does HGV fleet insurance cover the goods being transported?
Do I need CMR insurance for international haulage?
How does HGV fleet insurance satisfy operator licence requirements?
Can HGV fleet insurance cover owner-operators and employed drivers?
HGV Fleet Insurance: A Guide for UK Haulage and Logistics Operators
HGV fleet insurance provides motor cover for multiple heavy goods vehicles under a single policy, designed for haulage contractors, logistics businesses, and distribution operators. The specialist nature of HGV operations — high vehicle values, complex cargo exposures, and strict regulatory requirements — means that standard fleet insurance is rarely adequate for heavy goods vehicle fleets.
Focus Insurance Services is an FCA-regulated insurance broker. We arrange HGV fleet insurance on your behalf from a panel of specialist UK insurers. We do not provide insurance directly, and all cover is subject to insurer acceptance, terms, and conditions.
Operator Licence and Compliance
HGV operators are required to hold a standard national or standard international operator licence issued by the Traffic Commissioner. The operator licence requires evidence of financial standing and professional competence, and the insurance arrangements for the fleet must meet the requirements of the licence. Failure to maintain adequate insurance is a serious breach of operator licence conditions.
We ensure that your HGV fleet policy is structured to satisfy operator licence requirements and can provide the documentation required for Traffic Commissioner submissions. Our brokers understand the regulatory framework within which HGV operators work.
Goods in Transit and Cargo Cover
HGV fleet motor insurance covers the vehicles themselves but not the cargo they carry. Goods in transit insurance is a separate but essential cover for haulage operators, protecting against loss or damage to cargo in transit. The appropriate level of goods in transit cover depends on the type of cargo, the values involved, and the contractual obligations you have to your customers.
We can arrange goods in transit cover alongside your HGV fleet policy, ensuring that both the vehicles and their cargo are comprehensively protected. Combined fleet and cargo policies can simplify administration and may offer cost advantages.
International Haulage and CMR
HGV operators engaged in international haulage require cover that extends beyond UK borders. European motor cover provides the minimum legal requirements in each country visited. CMR liability insurance covers the haulier's liability for loss or damage to goods in international transit under the Convention on the Contract for the International Carriage of Goods by Road. We can arrange both covers for operators engaged in cross-border haulage.
Further Reading
Read our in-depth HGV Fleet Insurance Guide for detailed guidance, covering HGV fleet policy structure, driver management, and how to reduce your fleet premium.
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm