What Types of Vehicles Can Be Included As Part Of A Truck or HGV Fleet Insurance Policy?

HGV Fleet Insurance

Many businesses rely on HGVs and trucks in order to run efficiently.  The transportation of goods is not only essential for businesses, but also means daily life for consumers runs as normal.

Haulage companies and fleet managers have to ensure that their fleet of trucks and HGVs have adequate insurance.  According to the Campaign for Better Transport, unfortunately, HGV’s account for over half of the fatal accidents on the UK’s motorways.

This means that it is imperative that any fleet insurance policy you have provides more than adequate insurance cover to protect vehicles and people in the unfortunate event of an accident.

What Is Fleet Insurance

In its basic form, fleet insurance is commercial insurance for business vehicles and is aimed at those companies that have multiple vehicles (more than 3 vehicles).

Fleet insurance covers your fleet of business vehicles and allows you to have a single fleet insurance policy rather than numerous individual vehicle policies.

A fleet insurance policy means that you have the convenience of having cover for all the vehicles you want to insure (the full fleet) under one policy.  This not only means the total cost of the insurance might be lower with one overall policy, but also it is less hassle for fleet owners when it comes to checking policy details and terms.

What Vehicles Can Be Included In Fleet Insurance Policies?

Fleet policies can cover many different combinations of vehicles, so you need to be specific when identifying the vehicles you want to include in your fleet insurance policy.

Most fleet insurers will be able to tailor your fleet insurance policy to your needs. You can obtain specific fleet insurance relating to certain types of vehicles such as HGV’s or larger vans for example, and you can include all the vehicles on one policy.

Whenever you look for a fleet insurance policy it is always important to check for exclusions.  For example, some fleet policies exclude motorbikes or fork-lift trucks, so it is always best to check the terms and conditions of any policy you are offered.

How Many Vehicles Constitute A Fleet?

The official term of “fleet” itself refers to vehicles ranging from 3-500 in number, but in reality, the number of vehicles could be much higher. Accident Management companies often hold 2000-3000 vehicles ready to provide vehicles to those undergoing an insurance claim and awaiting their vehicle repair.

Fleet insurance will vary depending on the type of business you operate, the nature of the business, and the number of vehicles you want to insure.

Fleet insurance works like any other form of standard vehicle insurance and provides cover in the event of an accident.

Truck, Lorry, HGV Fleet Insurance

Truck, lorry, and HGV fleet insurance will normally cover all types of vehicles including:

  • Service vans
  • HGVs
  • Trucks
  • Articulated vehicles

Fleet insurance should extend to all the classes of vehicles owned and operated by the company as part of its business operations.

What Does Fleet Insurance Cover

Fleet insurance cover can include all of the following:

  • Theft, fire, vandalism and accidents
  • Haulage
  • Carriage of goods for reward or hire
  • Carriage of own goods
  • Courier insurance
  • Insurance for driving outside of the United Kingdom
  • Trailer insurance


Additional covers available

  • Public liability
  • Employer’s liability
  • Breakdown cover
  • Personal accident cover
  • Sickness insurance
  • Legal cover
  • Goods in transit cover

Benefits of Fleet Insurance

There are many advantages to having fleet insurance.

1 . Less administrative hassle

Managing insurance policies and making sure they are in place and provide adequate cover can be a time-consuming task. One of the main advantages of fleet insurance is that you can cover your entire fleet in one policy.  This leads to less administration, less paperwork, and overall, less hassle.

2 . It can be less costly than individual policies

Fleet Insurance can cost less than taking out individual policies for each vehicle, especially if you have had a fleet policy for a number of years and it is running smoothly.

Not only can you save costs, but you can also leverage the size of your fleet to negotiate better policies for your fleet as insurers will be keen to do business if you have a sizable fleet.

3 . Convenient

Having one fleet policy provides ease and convenience. Another advantage of this is that if you have a driver that may struggle to get insured, you may be able to get them insured under a fleet policy.  This is due to the fact that fleet policies balance the risks overall without focusing on one driver.

4 . Flexibility

Fleet insurance provides with the option to choose those vehicles you want to insure under the fleet insurance policy.  You can decide on which vehicles are included in the policy and remove those vehicles you do not want to include.

Always make sure that you choose the right fleet insurance policy.  Think about the types of vehicles you want to insure, what goods they carry, the distances they travel and what risks you want to protect against.

Once you have decided on the fleet insurance policy, you need to regularly evaluate and manage your fleet insurance policy.  A reputable insurance broker like ISIS Insurance will help you manage your policy and deal with any changes that need to be made.  Remember, if your fleet changes in size or you hire new staff it may be that you need to revisit your policy to ensure that it is properly updated.

HGV Insurance

Heavy goods vehicles need comprehensive insurance to ensure the vehicles are protected alongside the drivers.

ISIS Insurance offers a wide variety of insurance options and quotes that cover everything a HGV might need when it comes to insurance, from skip lorries to refrigerated vehicles.