What Is HGV Insurance?
HGV insurance – or truck insurance as it’s also known – is a policy that protects lorry owners, haulage firms, and other heavy goods vehicle users from the risks they face each day. These risks include:
- Accident
- Loss/damage to your lorry through fire
- Theft of your vehicle
- Public liability – should you accidentally injure someone or damage their property
- Employers’ liability – if you employ any drivers
- European cover
- Loss of license – if you lose your licence for a period, loss of licence cover will compensate you for an agreed period until you can get it back
- Goods in transit – protecting your cargo from loss, theft, or damage while it’s transported