The vast majority of truck/HGV owners do put their vehicles to commercial use, and haulage insurance is typically aimed at this group. Categories of business use include carriage of own goods, carriage of goods for hire or reward and haulage.
The differences between haulage and carriage of goods for hire or reward are subtle but we have found, within the insurance industry that the best definition is:
Haulage Insurance is related to cover for the carriage of goods for hire or reward – namely the business of charging to deliver goods owned by someone else;
HGV Insurance, on the other hand, may sometimes be described as carriage of own goods insurance, since it refers to the transport of goods which are owned by the same company;
Provided you keep in mind the importance of informing your insurer of the precise nature of your business, therefore, there is in practice likely to be very little practical difference between lorry haulage insurance and HGV insurance.
If your HGV is used to carry hazardous goods, you need to be aware that this is a typical exclusion on many truck insurance policies. There are firms who will cover the transit of hazardous material, but make sure you know this is included in the terms and conditions of your policy. If in any doubt, speak to the insurance broker before taking out your cover.
Quick, competitive quotes
We work hard to understand our clients needs
Tailored quotes for each of our clients
We always go that extra mile for each of our clients
How it works
1. Enter your details
Enter your full name and the best contact number for us to get you on. Then select a time and date
2. We call you back
An experienced team member will then call you back at the time stated to take discuss your requirements
Your Phone Number
When Can We Call?
—Please choose an option—MondayTuesdayWednesdayThursdayFriday
What Time Can We Call?
—Please choose an option—Morning - (9:00 - 12:00)Afternoon (13:00 - 17:00)
Alternatively, you can request a call back here
"...they not only saved me money but were also able to reduce my policy excess and give me better cover. I would recommend a call to them"
- Robert Anderson
"I have found their service prompt and efficient and would be happy to recommend them to anybody"
- Joel Siddall
Copyright 2024 Baslow Insurance Services Limited, registered in England and Wales under Company number 06368581, registered office Blake House, Bath Street, Bakewell, Derbyshire, DE45 1BX. Baslow Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 473021, which can be checked on the Financial Services Register. We are covered by the Financial Ombudsman Service (FOS). For further information see the FOS website www.financial-ombudsman.org.uk, and the Complaints section of our Terms of Business.