Do you really need to provide a claims history when arranging HGV insurance?

A misconception about HGV insurance involves claims histories and whether insurers need to be made aware of them. Many insurers have sophisticated databases to help in this regard, but these aren’t infallible and some past claims can still slip through the net. That’s why it’s essential that you are totally frank and upfront with your insurer when discussing your HGV insurance requirements. It’s often assumed that if it wasn’t actually you who made a claim then it doesn’t have to be declared, but that’s not true – if your insurance company received notification of a claim then it will need to be declared. Even if the drivers involved no longer work for you, you should still be aware of all the details so they can be passed on to your new insurer.

This includes conducting regular license audits for all your drivers. It’s not enough to do this once a year, as a lot can happen within that space of time; if a driver obtains a conviction that could result in the loss of his job, he’d be unlikely to tell you about it! The frequency of these audits will depend on the size of your fleet, but they should generally take place once every half or quarter year, so you know your drivers comply with the requirements of your insurance policy. Ignorance is no defence here – if a driver’s conviction was not reported to your HGV insurance company because you never thought to ask them about it, you will be held responsible.

This is so important to businesses operating heavy goods vehicles that we will guide you through the process and help you put a proper auditing process in place to ensure you are never caught out. It doesn’t cost anything, but it can often prevent very serious problems before they occur and help ensure your HGV insurance is as comprehensive as possible.

To find out more about what you need to be aware of when arranging HGV insurance, just visit, where you’ll be able to obtain a free copy of my new guide, “An introduction to HGV insurance for business owners”, packed with the kind of advice I usually reserve for paying clients.