Haulage Fleet Insurance
Haulage fleet insurance quotes from specialist brokers
- Tell us about your HGV or haulage fleet in just a few clicks
- We’ll match you with FCA regulated brokers from our panel
- Cover for goods in transit, trailers, and haulier’s liability, all in one place
- It’s fast, free and easy!
Why use iRevolution Connect?
Running a haulage fleet means managing multiple vehicles that can often be of high value, valuable loads, and drivers who spend long hours on UK and often European roads. We take the hassle out of finding the right cover by sourcing reputable, FCA registered insurance brokers who specialise in haulage fleets.
They understand operator’s licence requirements, haulier’s liability, and the pressures of keeping trucks moving, and they’re on hand to guide you through the buying process and offer advice whenever you need it.
What types of haulage fleet policy can I buy?
As with other fleet insurance, there are several ways to structure a haulage fleet policy depending on the size and shape of your operation.
Any driver fleet insurance
Any driver policies save you time and hassle, as you don’t need to contact your insurer every time a new driver joins your business, which can save you time and money in peak periods. These policies are usually age and experience restricted, for example any driver over 25 years old. If you have one less experienced driver while the rest of your team meet the criteria, it can sometimes work out more cost effective to insure the fleet at the higher threshold and add that driver as a named driver instead.
Named driver fleet insurance
If you run a settled team of regular drivers with low staff turnover, a named driver fleet insurance policy could work out best for your business. It can often be the more cost effective option, though it may require you to send more detailed paperwork on each driver’s licence history and experience to your broker.
Mini-fleet insurance
Don’t think you’re big enough for a fleet policy? Many of our brokers can offer mini-fleet insurance to haulage businesses with as few as three vehicles, so even smaller operators can benefit from fleet-level pricing and reduced admin.
Essential add-ons for haulage fleets
Haulage work carries risks that go well beyond the vehicle itself. Here are the add-ons most haulage businesses should consider alongside their core fleet policy.
Goods in Transit (GIT) insurance
If you’re carrying goods that belong to someone else, Goods in Transit cover is essential. It protects you against the cost of goods being lost, stolen or damaged while on your vehicle or during loading and unloading. Without it, you could be personally liable for the value of an entire load. Cover limits should reflect the typical value of the freight you carry, and many of our brokers can arrange higher limits for businesses regularly moving high-value or bulk consignments.
Haulier’s liability (CMR) insurance
If you carry goods internationally under the CMR Convention, or move freight for third parties under contract, haulier’s liability cover protects you against claims for loss or damage to goods while they’re in your custody. It goes a step beyond standard Goods in Transit cover and is often required by the customers you carry for.
Trailer cover
Trailers, curtain-siders and specialist units represent significant value in their own right and aren’t always automatically covered under a standard fleet policy. Trailer cover protects against loss, theft or damage to the trailer itself, whether it’s attached to your vehicle or left on-site.
Public liability insurance
Protects your business if a member of the public is injured, or their property is damaged, as a result of your haulage operations, for example during loading, unloading, or manoeuvring at a customer’s premises.
Employers’ liability insurance
A legal requirement if you employ drivers or other staff, even on a casual or agency basis. It covers claims made by employees who are injured or become ill as a result of their work for you.
Legal expenses cover
Helps cover the cost of legal representation and other expenses if you need to pursue or defend a claim, for example following a road traffic accident, or a dispute over goods damaged in transit.
Breakdown and roadside recovery
An HGV breakdown can mean a missed delivery slot, charges, and an expensive recovery bill. Breakdown cover designed for HGVs, including onward transport of the load and driver, helps keep your schedule on track and limits the knock-on cost of a vehicle off the road.
European and Continental cover
If your fleet regularly runs routes into Europe, make sure your policy extends fully to Continental travel, rather than relying on minimum legal cover for time spent abroad.
Does it matter how I use the vehicles?
Yes, the way your fleet is used has a direct impact on the type of policy you need, and haulage is treated as a specialist use class by insurers. Getting this right matters not just for your premium, but for your operator’s licence obligations too.
- If your vehicles are HGVs, artics, rigids, or used for general haulage, you’ll need a broker that specialises in HGV fleet cover and understands O-licence requirements.
- If you also run smaller vans doing multi-drop or parcel delivery work, you’ll need specialist courier fleet insurance for that part of your fleet, rated for hire and reward.
Because haulage fleets often mix vehicle types, tonnages and licence classes, using iRevolutionConnect.co.uk means we match you with brokers who understand exactly how your fleet operates, so you’re not left underinsured or paying for cover you don’t need.
What are the benefits of buying haulage fleet insurance?
There are several advantages to insuring your haulage fleet under one policy rather than individual vehicle policies:
- Save time - all your vehicles, drivers and add-ons, including Goods in Transit and trailer cover, are managed under one policy.
- You can even save money - your cost per vehicle may be reduced when cover is consolidated.
- Less paperwork and admin - vehicle, trailer and driver details are sent to just one broker instead of several insurers.
- Cover that flexes with your business - it’s easier to add vehicles, trailers or drivers as your operation grows.
How do I get haulage fleet cover for the first time?
If you’ve been running individual vehicle policies and are ready to move to a fleet policy, complete our simple form and brokers from our panel will come back to you with their prices. Some insurers prefer businesses with a proven claims history on a fleet policy and an established operator’s licence, but several of the brokers we work with have relationships with providers who specialise in helping haulage businesses secure their first fleet policy.
What levels of cover are available?
Cover levels for haulage fleet insurance work in much the same way as ordinary vehicle insurance, though the right level for your business should always be considered alongside add-ons like Goods in Transit, haulier’s liability and trailer cover.
Third party
The lowest level of cover available, ensuring your drivers are operating within the limits of the law. This covers any damage to third parties, including their property and vehicles.
Third party, fire & theft
Offers the same protection as third party insurance, with the added benefit of protecting your vehicles if they are stolen or set alight.
Comprehensive
The highest level of protection available, covering everything above plus cover for your own vehicles too. This is the most common choice for haulage fleets given the value of HGVs and the freight they carry.