Heavy goods vehicle insurance will cover anything from lorries to trailers and trailer tractors etc. Also included in this kind of category are those vehicles that haul containers to and from ports and just about anything that could be considered to be large or heavy.

The insurance market is a very competitive one but this does not mean that the cheaper policies are the best. Indeed, some policies will have exclusion clauses which may be detrimental to the company in the long run. Any good cover should include protection for not only the vehicle but the owner and driver as well. This also does not mean that once the HGV insurance cover becomes ‘live’ that the driver can take chances with the vehicle. Certain regulations and rules must be followed otherwise the insurance will be rendered null and void for sure.

Even the simplest cover will include a clause to cover damage done to any other vehicle by the vehicle in question. A better policy of insurance for HGV would also include cover for damage to the goods in transit and the vehicle itself. This will also take in things like theft insurance too. All these points are important because the hirer will get some reassurance that everything is covered so no, or little, losses can occur.

Drivers of these vehicles must have a special license and they will have rules about drug and alcohol use while working as well as the number of hours they can work without resting. They also have to be more skilled than the normal driver since these loads can be very heavy of course. Other pertinent qualifications will be:

Age – the driver will have to be over a certain age
Driving experience – he must have proven skills with large vehicles
Driving record – this must be good

Commercial insurance will not usually cover any cargo that is made up of hazardous materials. This attracts another kind of insurance which is more expensive. Explosives and chemicals also fall within this bracket. However, the usual insurance for large vehicles like this are designed to cover the vehicle, the goods inside and, of course, the driver.

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