Lorry Insurance
Lorry Insurance — HGV, Truck & Heavy Goods Vehicle Cover
Lorry insurance covers vehicles over 3.5 tonnes — from 3-tonne curtain-siders to 44-tonne HGVs. Standard van insurance does not cover heavy goods vehicles or the commercial risks of haulage operations. You need a specialist HGV policy that covers your vehicle, your cargo, your drivers, and your liability to the public.
At UK Sure, we offer lorry insurance for single trucks and fleets, covering carriage of own goods and hire and reward operations. Our policies include options for comprehensive, third-party fire and theft, or third-party only cover. Optional extensions include goods in transit, public liability, employer's liability, European cover, loss of licence protection, and breakdown recovery.
We insure all types of heavy goods vehicles — curtain-siders, flatbeds, tippers, tankers, skip carriers, bulk carriers, refrigerated lorries, cement mixers, gritter lorries, breakdown trucks, low loaders, and electric or hybrid trucks.
Get a quote online or call us on 01323 416706.
Why Our Lorry Insurance
What's NOT Covered
Key Features of Our Lorry Insurance
Running a haulage or logistics operation means your lorries are critical to your business. UK Sure provides specialist lorry insurance that covers the risks standard vehicle policies do not address.
All HGV Types Covered
From 3.5-tonne curtain-siders to 44-tonne articulated lorries — flatbeds, tippers, tankers, skip carriers, and specialist vehicles are all covered.
Goods in Transit Available
Protect your cargo from loss, theft, or damage while it is being transported. Essential cover for haulage and delivery operations.
UK Sure has worked with lorry operators since 2019, connecting thousands of customers with the right cover from our panel of specialist insurers. Whether you run a single truck or a national fleet, we find competitive quotes tailored to your operation.
Frequently asked questions
1. What is lorry insurance?
Lorry insurance — also called HGV insurance or truck insurance — is a specialist commercial vehicle policy for vehicles over 3.5 tonnes. It covers the vehicle, your drivers, and optionally your cargo and liability. Call us on 01323 416706 for a quote.
2. What types of lorries do you insure?
We insure curtain-siders, flatbeds, tippers, tankers, skip carriers, bulk carriers, refrigerated lorries, cement mixers, gritter lorries, breakdown trucks, low loaders, and electric or hybrid HGVs.
3. Do you offer fleet lorry insurance?
Yes. If you operate two or more lorries, a fleet policy can save money with one renewal date and simplified admin. Named driver or any-driver options are available. Call 01323 416706 to discuss.
4. Is goods in transit cover included?
Goods in transit is an optional extension that protects your cargo from loss, theft, or damage while being transported. It is not included as standard but can be added to your policy.
5. Can I get European cover for my lorry?
Yes. European cover is available as an optional extension for lorries operating across multiple countries. Check the territorial limits with our team on 01323 416706.
6. What is loss of licence cover?
Loss of licence cover compensates you for an agreed period if you lose your driving licence and cannot operate your lorry. This is an optional add-on — not included as standard. Ask our team for details.