HGV Insurance

The simple answer is yes, we do offer comprehensive HGV insurance.

As the name suggests, comprehensive HGV insurance policies provide additional cover. Over and above fire, theft and damage to other vehicles and property, your comprehensive HGV insurance policy will cover you for the repair of your vehicle. Also included are any towing costs, return of your HGV after it has been stolen, changing locks and replacing keys. For an additional nominal fee, we can also include public liability protection, breakdown cover, hazardous goods cover, European driving cover, and legal expenses cover. You may also specify cover for any trailers, even when they are not attached to your HGV and are stored in your depot.

A Nova Insurance Third-Party HGV policy will cover you for fire and theft. In addition, you will be covered if you damage another vehicle or if it is written off. It also covers property damage, injuries to others involved in the accident, and damage resulting from theft.

Nova Insurance fully understand that you depend on your HGV for your livelihood and, as such, our policies cover this as far as possible. We offer two kinds of HGV insurance: third-party, fire and theft and, comprehensive.

As with all types of insurance, the amount you pay for your HGV insurance will depend on a variety of factors.
The easiest way to determine your HGV insurance premium is to visit our website and get a quick quote. Your HGV insurance premium will be influenced by how often your vehicle is outside the UK, the type of business it operates in, and whether it has a telematics device. If your HGV is usually parked in a secure facility when not on the road, this can help to reduce your premium. Other excellent ways to reduce your HGV insurance premium include obtaining an advanced driver qualification and increasing your voluntary excess.

Yes, regardless of how heavy your lorry is, we can find you an HGV broker that covers it and more.

HGV insurance is designed for HGVs, also known as Large Goods Vehicles. This type of insurance is similar to van insurance in many ways; it covers damage caused by the vehicle to others and can be scaled up to cover accidental damage to the truck and theft cover. In addition, you can purchase goods-in-transit insurance to cover the contents of the vehicle.

At Nova Insurance, we work with a variety of insurers who may be able to offer you a suitable level of cover, including carriage of hazardous goods or coverage for visiting hazardous sites.

You will need an operator’s licence to carry goods connected with any business or trade if your vehicle is over 3.5 tonnes; certain exemptions apply. For further information on exemptions, visit the Gov.uk website here.

Most heavy goods vehicles are used solely for haulage or delivery purposes, but we understand that not everyone’s requirements are the same. Nova Insurance will search a panel of insurers and underwriters to find you the most competitive premium based on your use, and can often include the vehicle’s use.