What is a HGV Insurance Policy?

 

If you own and intend to use a vehicle on a public highway which is over 7.5 tonne Gross Vehicle Weight then a Heavy Goods Vehicle or HGV Insurance policy is required. There are many examples of what would be classed as a HGV and these are some of them :- an Articulated Lorry, Tipper Lorry, Cement Mixers, Skip Lorry, Flat Bed Lorry etc.

 

Why use CRS Consultants as your broker?

 

CRS Consultants have been offering support and solutions as a leading Lorry Insurance broker for the last 33 years and some of our very first clients are still with us today and the director of our company still deals with his file on a regular basis.. We only deal with the top UK insurers and over this time have developed many competitive products with companies who we can rely on to continue to deliver very high standards, such as Aviva, Equity Red Star & Allianz.

 

We understand the need to keep your vehicle on the road following a road traffic accident and are one of the few brokers in the UK who give FREE benefits. For example, all our policyholders have access to a free 24 Hours Claims Management Service. We are also able to offer at no cost to you a like for like replacement vehicle in the event of a non fault accident.

 

We also have specialist and highly trained staff based in the UK who can help with any query to ultimately offer you a great deal on your HGV insurance.

 

What do I need for my HGV Insurance Cover?

 

This is determined by what exactly your lorry will be used for and as such we can again tailor a product around each individual customers needs but how you are carrying your goods determine what lorry 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 etc.

* 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. All insurance policies will carry an excess – the first part of any insurance claim which you are responsible for. Typically the excess is £500 however under many circumstances this can be reduced if necessary with an extra premium being paid.

Windscreen cover is usually not available on Lorry Insurance Policies but on a Comprehensive basis you can request this to be added to your policy but may be subject to excess and limitation of cover.

 

Can I get cover for my HGV?

 

We can arrange cover for all types of policyholders which include sole proprietors, lorry business partnerships, haulage companies with operating licence, charities and other organisations.

 

Who is able to driver my HGV?

 

Just like all types of motor insurance any request can be made on your truck insurance. Insured Only, specifying named drivers or even Any Driver Over 25 years of age.. Typically a Full UK driving licence is required for minimum of 2 years for that particular class of HGV, drivers who do not fit this criteria can be considered based on their circumstances.

 

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Start-Up Haulage business – how do I get a good deal on my Lorry Insurance?

 

With any new start up business at CRS we understand that there is a huge cost involved at the beginning and so keeping down the costs is very important. Earned no claims discount is usually a large factor of consideration with haulage insurance companies but also what level of experience can be proven.. 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 up to 65% Introductory No Claims Discount if you are an experienced lorry driver

 

 

Am I able to drive on the continent with my HGV policy?

 

UK Lorry Insurance is the traditional contract but over the last decade or so it is becoming more regular that European use is required to deliver to multinational customers. Temporary foreign use insurance to European countries can be easily issued with a Green card extension. If very regular foreign use travel occurs then we can easily provide Annual cover for European lorry insurance by issuing an Annual Green Card endorsement.

 

How many vehicles can I put on the same insurance policy?

 

We are a specialist HGV insurance broker and have access to the UK market for all types of policies. Our typical HGV insurance schemes are designed for policyholders with up to 5 vehicles, but do not despair we can also offer Fleet Insurance policies for businesses who offer more If you would like more information please call CRS on 01606 48521 or email info@crs-consultants.com

 

 

What extras can I have for my HGV insurance?

 

Protected No Claims Discount is an option for all your Truck Insurance policies held through us. The small cost to protect your no claims discount following an accident may be a good option.

Breakdown cover is available and is very much affordable when compared to the loss of business you may undertake by not delivering an item on time.

Goods-in-Transit may be required by individual companies responsible for shipping and delivering items for other people. This is explained in more detail under the Goods In Transit tab above.

Trailer cover can be added to cover trailers whilst not attached to the vehicle or even ones whilst attached, hired in, loaned or in storage in the depot

* Social, Domestic & Pleasure use may be included for vehicles upto 7.5 Tonne, although is normally upon referral.