At Trident Insurance we understand that your HGV is closely linked to your livelihood and protecting it is a major priority for you and your business.
Whether you are an owner-operator or look after a sizeable fleet, finding affordable HGV insurance that provides an adequate level of cover can also be challenging and time-consuming. At Trident Insurance we tailor a policy to your needs so that you only pay for the cover that is essential to you.
7.5 – 100T
Tippers to Hiabs
Any Driver Policies
Begin your personalised quotation today by calling our team on 0800 038 9000 or click here to fill out our online form
Driving an HGV brings quite a few risks. Since they are such large vehicles they can be very tricky to manoeuvre, especially for less experienced drivers. If you own an HGV or a fleet of HGVs then it’s absolutely essential that you get the right cover in place.
Third party is a popular type of cover since it’s the most affordable. It’s worth bearing in mind that whilst third party is the cheapest cover you can get, it also provides the least protection for your own vehicle. If you’re involved in an accident then your vehicle will only be covered by the third party’s insurance if you’re able to prove that they were liable for the accident. Otherwise, your vehicle will not be covered.
Third-party, fire and theft
If you decide you do want to get a third party policy then you can add additional cover to it by getting third-party, fire and theft. Not only will you be able to drive your vehicle legally but you’ll also be covered against the risk of damage by fire and vehicle theft.
Since HGVs are often used to transport valuable goods from A to B, it’s definitely worth getting the contents covered against accidental damage and theft.
Fully comprehensive truck fleet insurance
A fully comprehensive policy will provide the highest level of protection when it comes to accidents. Not only will third party vehicles be covered accidents where you’re liable but your own vehicle too. HGVs are very expensive vehicles so it’s always recommended that you get a comprehensive policy.
Liability claims are commonplace nowadays so having protection against them is never a bad idea. If you were to face a liability claim and lose it, it could prove to be financially devastating.
A big part of the expense of a liability claim is paying the legal fees to fight it. Having legal expenses covered as part of your policy means you won’t have to worry about this should the worst happen.