Where to Find HGV Insurance

If you're an owner-driver who drives a Heavy Goods Vehicle or you operate a business that owns a fleet, you should know the importance of getting the right level of insurance. Driving is now more hazardous than it's ever been due to the sheer number of vehicles on the roads and it's only going to increase. HGVs are at particular risk on the roads due to their large size and difficulty to drive in tight spots. Most insurance providers will only insurance drivers of 25 years of age or older for this reason.

Finding good HGV insurance is much easier now than it used to be. There are many insurance providers who offer HGV insurance at competitive rates. There are many types of cover available such as breakdown recovery, legal fees, public liability and contents cover. There's also fleet insurance which is ideal for those who have several vehicles that need to be insured. You should always be sure about the cover options you need before seeking out any quotes. Think about where your biggest risks come from and choose a policy that fits.

Saving Money

Of course it's always important to ensure that you get a good deal on your HGV insurance and there are a few reliable ways to do this. Firstly and most obviously is that you should shop around by getting multiple quotes. This is now very easy to do thanks to the internet and will be covered in more detail in the next section.

Another way to save a significant amount of money is to ensure any drivers you employ have a good amount of experience as well as a clean licence and good driving history. Insurance providers will certainly look at this when assessing the price of your policy so it's a very important factor. You can also choose to pay for your policy annually rather than monthly which can save you a significant amount of money.

Finding Quotes

Getting quotes used to take a lot of time and effort but luckily this is no longer the case. There are numerous insurance comparison services online that enable you to get quotes from several different insurance providers sent directly to you. You simply provide some information about what cover options you want in your policy and you will get tailored quotes based on that information. This is ideal as it allows you to compare the quotes against each other and ultimately save money.