Easy-to-arrange insurance for your road haulage fleet.
We understand the risks the haulage and warehousing community faces and will advise on the protection you need
We pride ourselves on traditional face to face service, plus providing the latest haulage insurance advice to meet current and future needs
We will discuss gaps in your cover and emerging risks, and help you mitigate and reduce risks, so you have the haulage insurance you need
Claims handlers will be appointed to look after your business, with 24/7 helplines and regular analysis for ongoing advice
Towergate’s specialist motor team are one of the leading road haulage insurance brokers. That gives us the expertise to find cover that’s right for you, regardless of the size of your haulage fleet. If you operate just one or two trucks, no problem; we have a specialist team that’s all about looking after the needs of owner driver hauliers and those taking the first steps towards building a fleet of vehicles.
As well as general haulage, specialist sectors include aggregate and agricultural haulage, concrete mixers and pallets and containers. Operate a warehouse too? Our experienced team can advise not just road transport businesses, but those that have diversified into warehousing and logistics too.
Most of our clients choose us not just for our motor fleet expertise, but for our ability to cater for all their business insurance needs too such as liability, goods-in-transit hauliers’ liability cover, and property insurance. We’ll advise you on further essential covers too.
The motor fleet insurance policies we offer are designed to provide you with help when you need it most, thanks to 24/7 direct-to-insurer motor claims helplines, access to our free Towergate ‘FirstCall’ motor claims notification app, and all the support you need from our own in-house team of road haulage claims specialists.
The specialist motor insurance policies we offer are designed to provide you with help when you need it most:
When choosing a haulage insurance policy, it’s important not to just buy on price, albeit price is always an important consideration. Look closely at other things too like:
Exactly how much each operator must pay varies from insurer to insurer and depends on a variety of factors. These may include:
A haulier running up to five vehicles will usually see their trucks rated individually. Above that number of trucks, policies tend to be fleet-rated, whereby the premium depends significantly on past claims experience across your truck fleet.
Yes. If you would prefer to spread the cost of your haulage fleet business insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments (subject to acceptance).
To find out details, please read our dedicated direct debit page.
Haulage insurance policies do much more than simply provide you with protection again loss or damage to your trucks. They provide haulage operators with cover above and beyond what they are legally required to have when driving a vehicle on the road which is unlimited cover for third-party injury or death, and cover for damage to third-party property for an amount not less than £1.2 million.
Most customers buy comprehensive cover though more limited third-party fire and theft, and third-party only coverage is available too. Cover is of course available for trailers as well as tractor units.
As well as HGV motor fleet haulage insurance cover, we can also arrange other essential covers for haulage operators like goods-in-transit hauliers’ liability insurance, public and employers’ liability, property and business interruption insurance, as well as a range of other important covers such as commercial legal expenses and cyber insurance.
If you have an employee, or employees, even if only occasionally, or temporarily, then you are legally required to have employers' liability insurance. (Unless an exemption applies, such as family businesses where every employee is a close family member, providing they are not incorporated as a limited company.)
We can offer employers’ liability cover alongside your haulage insurance policy and the other essential non-motor business insurance covers.
Yes. At Towergate, we know starting up a business can be expensive and insurance cover adds to the cost.
We’ll work with you depending on your circumstances to find the very best discounts we can for you, such as introductory discounts and no-claims discounts for companies using drivers with a claim-free driving history.
Care needs to be taken when taking out haulage insurance to make sure the cover you are buying is what you need and that there are no exclusions that are detrimental to the cover you need.
In addition to exclusions such as war risks, damage or contamination caused by radioactive materials, and terrorism, exclusions under a haulage insurance policy typically include:
Yes, you can. We pride ourselves on our ability to insure a wide array of trucks, lorries and HGVs including vehicles used for heavy haulage.
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