Skip to main content
Quotes|Claims|Contact
Focus Insurance Services
Haulage & HGV Insurance
Fleet Insurance

Haulage & HGV Insurance

Specialist protection for haulage contractors and HGV operators. From single trucks to large fleets, we arrange comprehensive cover for the unique risks of road haulage and goods transportation.

Request a Call-Back01733 263311

Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Haulage Insurance Cover?

Haulage insurance provides specialist protection for heavy goods vehicles and transport operations. Coverage typically includes:

Motor Fleet Cover

Comprehensive, TPFT, or TPO cover for your HGVs, trucks, and tractor units.

Goods in Transit

Protection for goods you're contracted to carry, essential for haulage contractors.

Trailer Cover

Insurance for trailers whether attached or detached, including refrigerated units.

Public Liability

Cover for third-party injury or damage arising from your haulage operations.

Employers' Liability

Required cover for driver and warehouse staff injuries.

Operators' Liability

Protection for your legal liability as a haulage operator under CMR convention.

Breakdown & Recovery

Specialist HGV breakdown cover including roadside repair and recovery.

European Cover

Extension for vehicles operating in Europe, including green card territories.

Refrigeration Breakdown

Cover for cargo spoilage following refrigeration unit failure.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Haulage Specialists

Deep understanding of the haulage industry, O-licence requirements, and transport regulations.

Operator Support

Experience with Traffic Commissioner requirements and compliance documentation.

24/7 Claims

Round-the-clock claims reporting for an industry that never stops.

Flexible Cover

Policies tailored to your operation – general haulage, specialist loads, or own goods.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

  • Hold an Operator's Licence (O-licence)
  • Operate HGVs, trucks, or articulated vehicles
  • Carry goods for hire and reward
  • Transport your own goods in heavy vehicles
  • Need goods in transit cover for contracted loads
  • Operate in the UK and/or Europe

What We'll Need for Your Quote

  • 1
    O-licence number and type (standard/restricted)
  • 2
    Vehicle list (registration, type, GVW, value)
  • 3
    Driver details and CPC qualifications
  • 4
    Types of goods carried
  • 5
    Operating radius (UK only/European)
  • 6
    Maximum single load value
  • 7
    Annual turnover
  • 8
    Claims history for the past 5 years
Get Your Quote

Frequently Asked Questions

Do I need an O-licence to get haulage insurance?
If you're carrying goods for hire and reward (i.e., being paid to transport others' goods), you need a standard Operator's Licence. If you're only carrying your own goods, you may need a restricted licence or may be exempt. We can advise based on your operation.
What's the difference between goods in transit and operators' liability?
Goods in transit covers the physical goods you're carrying against damage or theft. Operators' liability covers your legal liability to the goods owner under the contract of carriage (CMR convention for international work). Most hauliers need both.
Does the policy cover driving in Europe?
Standard UK policies provide minimum legal cover in EU countries, but comprehensive cover and goods in transit usually need to be extended for European operations. We can arrange appropriate cover for your operating territories.
What about specialist loads like hazardous goods?
Hazardous goods (ADR loads), abnormal loads, and other specialist cargo require specific cover and must be declared. We can arrange appropriate policies, but you'll need the relevant operator authorisations and driver training.
How does claims experience affect my premium?
Fleet premiums are heavily influenced by claims history. A poor record will increase costs significantly, while a clean record helps secure Market Access. We can advise on risk management to help control claims and premiums.

Related Products

Mini Fleet Insurance

Cover for smaller fleets of 3-10 vehicles.

Learn more

Mixed Fleet Insurance

Policies for fleets with diverse vehicle types.

Learn more

Goods in Transit

Standalone cargo cover for transported goods.

Learn more

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.

Request a Call-Back01733 263311

Monday – Friday, 9:00am – 5:00pm