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HGV Insurance

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Keeping heavy goods vehicles hauling freight near and far requires extensive protections to safeguard investments powering logistics operations. HGV insurance delivers tailored coverage shielding everything from solo owner-operators to large company fleets operating rigid and articulated lorries. Specialized policies insulate against physical damage, cargo issues, and third-party liabilities stemming from accidents across Britain's motorways.

Robust HGV insurance bundles critical protections including accidental damage, fire and theft, and liability coverage starting at £5 million for catastrophic crashes. Telematics options allow safer drivers to earn premium discounts. Streamlined plans prevent coverage gaps for small operators while enterprise-spanning protection keeps international logistics companies rolling without disruption. Staying insured delivers confidence so trucks keep supplies moving reliably.

What Does HGV Insurance Typically Cover?

Bundled HGV protection commonly includes:

• Accidental damage - Collision coverage for repairs when lorries get hit while parked or moving.
• Fire & theft - Shields against loss from truck fires or outright stolen vehicles stripped for parts.
• Cargo insurance - Protects high-value freight in transit if damaged, lost or stolen off the back of curtain-sided trailers.
• Third party liability - Covers injuries to others or property damage when fault traced back to drivers. Includes legal costs.

Who Needs HGV Insurance?

Staying comprehensively covered makes sense across:

• Independent lorry owner-operators running local routes
• Domestic logistics firms coordinating nationwide deliveries
• International transport companies moving air freight containers
• Carriers hauling flammable chemicals or liquids requiring specialty policies
• Businesses operating small fleets of cranes or tipper trucks

Compare premiums but don’t skimp on protection. Robust HGV insurance keeps your vehicles, cargo and company secured so trucks stay rolling. Consider added coverage like break down assistance and replacement vehicle benefits to limit disruptions for round-the-clock transport reliability.