HGV insurance is designed to deal with HGV’s, 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 you are carrying in the vehicle.
Archives: FAQs
Can you provide cover for hazardous goods or locations?
At Nova Insurance we work alongside a variety of insurers who may be able to offer you a suitable level of cover which includes carriage of hazardous goods or coverage for visiting hazardous sites.
Do I need an operators’ licence to operate as a haulier or goods vehicle operator?
You will need an operators’ licence to carry goods connected with any business or trade, if your vehicle is over 3.5 tonnes, however certain exemptions apply. For further information regarding exemptions you can visit the Gov.uk website here.
Will my haulage insurance policy restrict the use of my vehicle?
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 use of the vehicle.
Are Nova Insurance regulated?
Nova Insurance and our panel of UK insurance providers are fully regulated by the Financial Conduct Authority. So why not start by filling in our form today to see if we could help save you money on your next insurance quote or insurance policy.
Do you insure single and double cab pick-ups?
Yes, we can offer a quote and cover for both single and double cab pick ups.
What is Insurance Premium Tax (IPT)?
Insurance Premium Tax (IPT) is a tax on general insurance premiums, introduced by Kenneth Clarke in the 1993 Budget, and set by the Government. All quotes and premiums will include IPT at the current rate.
Do you offer quote for couriers?
No, we don’t offer cover for couriers.
Do you cover me if i only use my van for personal use and not for business?
Yes. When you start an online quote, if you don’t use your vehicle for business use, then simply select “Social and commuting” when asked the question “What do you use the van for?”.
Can i get my van insured under my company name?
We do not offer quotations in a company name. The main driver must be the policyholder, the owner and registered keeper of the vehicle.
