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It’s a legal requirement that you need to have in place, to drive a truck on the road. It protects you and other people from unfortunate circumstances like injuries or property damage.
There’s no real difference between truck and car insurance except that truck insurance is specifically designed to cover bigger vehicles.
Some people might call this HGV insurance, truck insurance, or lorry insurance.
A truck is classed as a Heavy Goods Vehicle for insurance purposes. This is any vehicle with a gross vehicle weight of more than 3.6 tonne.
Anything below 3.6 tonne is classed as a Commercial Vehicle and can be insured with a normal commercial vehicle policy.
Plant vehicles do not normally count as HGVs. Cherry pickers, Cranes, etc can sometimes be road legal but others like small forklifts often are not. Vehicles like this aren’t normally considered HGVs for insurance and are insured in a different way.
Firstly, you need to make sure your insurance matches with how you use your vehicle. This can be for Social, Domestic and pleasure purposes (i.e. banger racing transport) or you can use it for Business Use.
You can use your HGV for business to carry “Own goods” (like scaffolders carrying scaffold equipment or skip hires carrying their own skips), or if you carry other people’s goods from A to B like haulage contractors, aggregates, or furniture movers. This business usage is called “Carriage of goods for hire and reward”.
For any HGV however, it’s important that you have an Operator’s License if you use it for your business. This is normally arranged as a Restricted, National, or International operators license depending on how you use your vehicle. Some occupations are exempt.
You can insure the goods you carry for other people when they’re under your care. Or, you can also protect your own goods when they’re in transit with this cover.
To protect yourself against hurting the public or damaging their property, you need Public Liability Insurance. This is an important cover for all businesses is the best choice.
If you have employees in your business, you are legally obliged to make sure they are protected with Employees Liability insurance. You can add this onto your Public Liability insurance.
If you have multiple vehicles, it might be better value to insure them in a single fleet policy. This could save you time and money with one policy, and one renewal.