Cover one vehicle or a whole fleet
Choose Comprehensive, Third Party Fire and Theft, or Third Party only
Accept any learner driver - you don’t need to register every student with us
Standard excess of £250, even for young drivers – We don’t penalise by age
Keep your no claims – We can mirror your no claims discounts across multiple vehicles, even those from trucks that are not used for teaching
Protect your no claims discount free of charge (minimum of 6 years)
Uninsured driver promise – Your no claims is unaffected and the policy excess will be refunded following an accident caused by an uninsured driver subject to providing the registration number of the vehicle involved in the accident and confirmation that no insurance exists on the vehicle
Negligent tuition cover – The policy covers liability of both the instructor and student for negligent driving
Defence Driving Examiners (DDE) cover for tuition on MOD property
Cover for the’ Young Driver LGV Driver Training Scheme’ students under the age of 21
Cover for advanced driving and trailer training
Discounts available for recognised continued professional driver training
Combined personal items cover up to £500 and personal accident cover up to £5000 for £25 per year
£1000 of R.A.C. breakdown cover offered for £185 per year
Prefer to spread the cost of your policy?
Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.
To find out more about PCL and direct debit payments, select Direct Debit.
*To understand more about how PCL work together with Towergate, please read our Regulatory Information.
Any usage other than for HGV tuition
Instructors over 70 years of age
Vehicles over £285,000
Vehicle must be registered and kept in Great Britain, Isle of Man and the Channel Isles only
The instructor must be the registered owner of the vehicle
No vehicles to be insured by this policy are to carry any hazardous goods or visit any hazardous locations
Category 5 security devices must be used for vehicles over £150,000
Minimum age 21 (wavered when via young person scheme)
We use a panel of insurance companies and Lloyds Syndicates which includes the following: Aviva, Amlin, Equity Red Star and Xpekt
Yes we support this scheme. We can insure anyone with a full licence as long as they are part of this scheme. If the student is not part not part of this scheme the minimum age is 21
If you have between 1 and 4 vehicles, these will need to be insured separately although these can be set-up simultaneously. If you have 5 or more vehicles we may be able to offer you fleet insurance
Yes, we offer a range of additional covers and benefits which include the ability to provide comprehensive cover for trailers and advance driving
It’s vital for your business that you are back on the road as quickly as possible after a claim, especially when an LCV can often be trickier and more expensive than standard vehicle to fix or replace. For this reason we have in place a partnership with award winning incident management company MSL. They provide you a 24-hour service to support the handling of your claim as simply as possible. Just one phone from you and MSL will manage the entire process, as quickly as possible.
For the second year running MSL Financial & Legal has been shortlisted for Insurance provider of the year (Eclipse Proclaim Awards). Past achievements have seen MSL as winners of Legal Expenses provider of the year 3 times and ULR provider of the year once.
If the incident is deemed the fault of the other party, MSL will appoint repairers and recover the costs directly. You avoid having to pay your excess and any unnecessary trouble.
In the event of a claim against another party for a motor accident that resulted in you or your pupil suffering an injury, you will deal with a specialised legal claims team within a solicitors practice.
MSLs robust Uninsured Loss Recovery service is driven by their state of the art claims system which is supported by an experienced team of claim handlers and solicitor litigation services.