Truck Insurance

Flexible, immediate and trusted truck insurance policies for a range of vehicle and fleet types; including truck breakdown cover. Our ‘buy-right’ and dedicated claims experts will ensure that you can focus on what really matters to you – running your business.

0344 892 1434

Mon-Fri 8.45am - 5.15pm

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About Truck Insurance

Van

Flexible truck insurance options

For drivers of single trucks or small haulage HGV fleets, cover to suit your needs

Trade

Truck breakdown cover

Available in both the UK and Europe, giving you peace of mind to run your business

Group

Buy-right truck insurance specialists

Our ‘buy-right’ experts and introductory premium savings will help get your business moving fast

Shield

Immediate truck cover

Instant cover and immediate claim response to ensure you are back on the road as quickly as possible

Features of Truck Insurance

Standard cover

Truck insurance to suit your needs

We offer a wide range of truck insurance policies, including motor, goods in transit (GIT), public and employers’ liability, breakdown, income protection, commercial property, legal cover, uninsured loss recover (ULR), commercial legal expenses, and engineering. Plus, access to our market leading claim notification app, Towergate FirstCall. This way, you can get claims reported through to the insurer as quickly as possible so that you can focus on running your business.

Immediate insurance for your trucks

Because the insurers we work with trust our expertise, we can arrange truck cover from the very moment that you need it. Also, when you’re stuck , our immediate cover is vital.

Flexible truck insurance cover

Our flexible cover for truck insurance is designed for drivers of single trucks or hauliers with fleets of up to five HGVs. We can ensure that you have the right HGV insurance cover in place within a single policy. Whether you are a well established business or a new start up our trusted insurers will protect your business while you’re busy running it..

Additional truck insurance options

We can cover lorries from 7.5t through to 200t GVWs. We can offer truck breakdown cover in the UK and Europe, and combined policies are available. Attached or detached trailers can be included. Our ‘buy-right’ experts will advise on what is best for you. Let us take the mystery out of truck insurance. We can explain what you need and why you need it – jargon free.

These are the FAQs

Question

What is a truck insurance policy?

Answer

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).

Question

What is included with the truck insurance policies offered by Towergate?

Answer

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.

Question

Which sections of your policies should I purchase?

Answer

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.

Question

I have a truck heavier than 44T GVW - can I still insure it with Towergate?

Answer

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.

Question

Does your truck insurance provide cover for hazardous goods or locations?

Answer

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.

Question

Do I need to purchase employers’ liability insurance?

Answer

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.

Question

I'm starting a new haulage company - is it possible to get reasonably priced truck insurance as a new venture?

Answer

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.

Question

Do I get a discount on my truck insurance policy for using risk management tools like forward-facing accident recording cameras?

Answer

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.

Question

I've been offered a discount for CPC training with my policy. Why is this?

Answer

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.

Question

Can I pay for truck insurance by monthly direct debit?

Answer

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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1434 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim