Truck Insurance

A truck insurance policy, also known as a haulage insurance policy, is specifically designed for any business that uses trucks and other HGVs. It is often made up of various sections of cover and is usually categorised depending on the amount of trucks or HGVs that need to be added to the motor section of the policy. The truck insurance policies offered by Towergate are for companies or individuals running between one and five trucks of 7.5T or over.

Our panel of trusted insurers and ‘buy-right’ experts will ensure that you have the right level of cover for your specific needs. This way, you can focus on what is most important to you – running your business (while we protect it).

Our truck insurance policies are 'multi section', made up of various sections of cover . This enables you to choose exactly which sections you require. We offer a wide variety of insurance covers, all designed to meet the needs of a commercial vehicle operator, including motor fleet insurance; commercial motor insurance; goods-in-transit cover; employers' and public liability insurance; and personal accident and sickness insurance.

It's completely up to you. It depends on the nature of your business and your attitude to risk. Some sections of cover, such as motor insurance and employers’ liability insurance, are mandatory by law. Others are optional, such as personal accident and goods in transit. If you are unsure which products are right for you, our staff specialise in commercial vehicle insurances, so please don't hesitate to contact us.

Yes, you can. We even have a number of clients running vehicles up to 200T GVW! We pride ourselves on our ability to insure a wide array of trucks, lorries and HGVs and are one of the few companies in the UK who specialise in the heavy haulage market. Speak to one of our truck insurance advisers more information.

While we need to take into consideration the type of work you are undertaking and the locations at which you are working, we can usually find you some level of cover. Our staff have been provided with specialist training on this complex area of insurance and will be able to advise you over the telephone.

Yes. Employers' liability cover was made mandatory in the UK by the Employer's Liability Compulsory Insurance Act 1969, even if you only use an employee occasionally on a temporary basis. Employers’ liability insurance is available under the 'combined liability' section of our policies.

Yes. At Towergate, we know starting up any new business can be expensive and insurance cover can be a big part of the set-up costs, particularly for a new haulage company. That's why we provide several discounts for new venture companies, including a maximum no-claims discount available for companies using drivers with a history of claim-free driving. Even if this isn't the case, we can still offer an up to two years' introductory discount.

Risk management tools can be a great way of bringing your premium down and cameras are a great example of this. Because cameras can be used to both defend your liability in the event of an accident and pick up fraudulent or staged accidents, many insurers are keen for their customers to use them. As such, discounts are available and vary from insurer to insurer, so please speak to us to see how you can benefit.

New legislation requires truck drivers to complete a Certificate of Professional Competence (CPC). To qualify, drivers must complete five units of training of at least seven hours per unit. Although drivers do have the option of leaving the five days of training until just before the deadline, we are keen to do everything we can to help truck drivers complete this requirement.

We also know from years of experience that a practical driver training course with a HGV specialist driver trainer can have a significant impact on the number of truck insurance claims made by policyholders - something which helps reduce everybody's premiums in the long term. For this reason, we've arranged discounts for qualifying customers with between one and five trucks of 7.5T or over to take one unit of CPC driver training every three years. Additional practical or classroom courses can also be purchased via our sales team at any point during the year.

Yes. If you would prefer to spread the cost of your truck 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.