Lorry Insurance Comparison

Finding the right lorry insurance doesn’t need to be a hassle. Whether you operate a single vehicle or a small fleet, comparing quotes from multiple providers helps you find cover that matches your exact needs, without paying over the odds.

What is Lorry Insurance?

Lorry insurance covers goods vehicles over 3.5 tonnes against damage, theft, and third-party liability while they’re on the road or in use for business. It is a legal requirement for any lorry driven on UK roads, and the level of cover you need depends on the type of vehicle, what it carries, and how it’s used.

Types of Lorry We Cover

Whatever you’re driving, you can compare quotes for it here, including:

• Articulated lorries
• Box lorries
• Platform lorries
• Skip lorries
• Refrigerated lorries
• 7.5 tonne lorries and heavier HGVs

Levels of Cover

As with car insurance, lorry policies typically come in three levels:

• Third party only: the legal minimum, covering damage or injury you cause to others, but not your own vehicle.
• Third party, fire and theft: adds cover if your lorry is stolen or damaged by fire.
• Comprehensive: covers damage to your own vehicle as well, regardless of fault.

Depending on how you use your lorry, you may also want to consider goods in transit cover (protecting the load you’re carrying) and public liability insurance, which are often sold alongside, but separately from, your vehicle policy.

What Affects the Cost of Lorry Insurance?

Premiums for lorry insurance vary considerably more than standard car insurance, since they depend heavily on how the vehicle is used commercially. Insurers typically consider:

• The vehicle’s weight, age, and value
• What you carry, and whether it includes hazardous goods
• Your annual mileage and operating radius
• The driver’s experience and claims history
• Where the vehicle is kept overnight
• Whether you operate under an Operator’s Licence

Do I Need an Operator’s Licence?

If you use a lorry over 3.5 tonnes for business purposes, you likely need an Operator’s Licence from the Driver and Vehicle Standards Agency (DVSA), separate from your insurance policy. Requirements differ for goods carried for hire or reward versus your own business use, so it’s worth checking your specific obligations with the DVSA before youu2019re on the road.

How to Get the Best Lorry Insurance Quote

Answer a few short questions about your vehicle and how you use it, and we’ll help you compare quotes from providers who specialise in commercial and HGV cover, so you can find a policy that fits your needs without overpaying.