We work with some of the biggest insurance names in the UK to find the motor trade policies you need.
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Get The
HGV Motor Trade
Insurance You Need.
As a HGV driver, you need a motor trade policy to suit your work.
By getting covered via our insurance broking experts, you'll get:
Why choose I4MT?
As a trading style of One Sure Insurance – one of the UK’s fastest-growing motor trade insurance brokers, we bring years of experience in the HGV sector. We can:
Insurance4MotorTrade is here for all your insurance-related activities, both before and after purchasing HGV motor trade insurance.
As an insurance intermediary, we are closer to you than an underwriter. The more you grow, the more coverage and indemnity you will need. Naturally, we are interested in your growth and are always happy to help you.
We firmly believe that insurance should be easy for everyone, from documentation to claims processing.
That’s why we like to keep motor trade insurance simple and straightforward by handling the complex parts for you, so you can focus on running your business.
Whether you repair heavy goods vehicles, tow, or provide mobile assistance, you need bespoke insurance designed just for your business.
We don’t sell “one size fits all” solutions. Our team of underwriters is patient and will listen to your exact requirements before drafting a single policy just for you. However, anyone needing HGV motor trade insurance will have a few standard cover necessities. We offer a few optional covers as part of our customised HGV motor trade insurance.
We deal only with the country’s top underwriters and insurance companies specialising in motor trade insurance. Because of our deal with multiple providers, we are confident of meeting your needs at the most competitive possible prices*
* Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
Policies Specially Made For The Motor Trade.
With us, you can expect top-notch insurance expertise and service, as we tailor your cover to the individual needs and requirements of your business. We'll take care of everything. Here is what you can expect from the I4MT experience:
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A Trusted Panel of Underwriters
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Your Renewals Made Hassle-Free
Every year, we quote you an up-to-date price and give you the chance to automatically renew your policy.
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Make Changes When You Need To
Make changes when you need to and get expert advice on the best options. You can raise your indemnity level and cover as and when needed.
Why do HGV drivers need motor trade insurance?
As a HGV (Heavy Goods Vehicle) driver, you’ll need motor trade insurance because it covers vehicles you don’t own but are responsible . It is essential for HGV drivers involved in transporting, delivering and recovering vehicles.
It protects both the driver and the business from potential liabilities, such as accidents or damage, ensuring that they are financially covered for any incidents that occur while driving vehicles for work purposes.
Motor trade policies for HGV drivers also cover situations such as driving customer vehicles or operating in a commercial setting, which standard car insurance policies typically don’t cover.
Who does motor trade insurance cover?
HGV motor trade insurance is a holistic term covering multiple policies. In fact, most of our customers have a diverse policy that includes a lot more than just road risk third-party insurance, though that is the bare minimum you need to have when driving a customer’s HGV vehicle on public roads or public property.
You can choose from the following cover types:
- Fire and Theft Cover. With this cover, you can stay one step ahead of events you just cannot control. We can also include natural disasters such as floods, subject to approval from our underwriters and an express statement of interest from you.
- Comprehensive Coverage—Road risk with fire and theft cover does not consider damage to your vehicle in an accident on public roads. A comprehensive plan safeguards the policy’s named driver and any vehicle registered on the MID.
What additional coverage should I get for my HGV?
Anyone needing HGV motor trade insurance will have a few standard cover necessities. Fortunately, we can help you find what you need. However, as your business grows, you may want to add:
- Employers’ & public liability for protection against claims from the public and employees.
- Tool & equipment cover to safeguard essentials that help you get your job done while you’re out on the road.
- Legal protection to cover legal expenses and losses.
Let us know what you need and we’ll try our best to sort it. Our teams are full of experts on in all aspects of the motor trade industry and insurance. This means we can advise you further on how to tailor your cover to target the risks specific to your job and ask all the right questions to make sure your insurance is right for you.
We Are Britains Cheapest Motor Trade Insurer Guaranteed*
We are so confident of our pricing that we challenge you to beat our guarantee!
Frequently Asked Questions
Discover the answers to the most-asked questions on motor trade insurance.
HGV motor trade insurance costs can vary. Your premium will depend on factors like your driving history, business location, the type of HGVs you work with, and the level of cover you require.
Operators with less experience or those dealing with high-risk vehicles may face higher premiums than seasoned traders. The best way to find a policy that fits your business and budget is to compare quotes from multiple providers.
Click ‘Get a Quote’ now to find the right HGV motor trade insurance for your business.
Legally, you must have motor trade road risk insurance with third-party cover.
However, you’ll need to consider other types of cover obligations required by law, depending on your business. For example, if you employ staff as part of your business operations, you must have employers’ liability cover.