Running a haulage or transport business means managing high-value vehicles, time-sensitive deliveries and constant road risks. Truck insurance protects your fleet from accidents, theft and unexpected claims. Yet many UK operators unknowingly buy policies that leave gaps in cover. Below is a clear guide to the six essential protections every haulage business should understand before renewing or switching its policy.
1. Comprehensive Vehicle Cover
Your trucks are your most valuable assets. Comprehensive cover protects against accidents, theft, fire, vandalism and weather damage. While third-party policies meet minimum legal requirements, they rarely cover repair or replacement costs for your own vehicles. A comprehensive commercial truck insurance policy keeps your trucks on the road after damage, reducing costly downtime.
2. Goods in Transit Insurance
If you transport goods, you are legally responsible for them until they reach their destination. Goods in Transit (GIT) insurance protects the cargo you carry from theft, damage or loss while en route. This cover is critical if you haul expensive or fragile goods. Many customers require proof of GIT insurance before signing contracts.
3. Public Liability Insurance
Accidents involving third parties can lead to significant claims. Public liability insurance protects your business if a pedestrian, driver or property owner suffers injury or damage linked to your truck operations. Claims can reach tens of thousands of pounds, making this a vital layer of protection for any transport company.
4. Employers’ Liability Insurance
If you employ drivers, loaders or office staff, UK law requires you to hold employers’ liability insurance. It covers injury or illness suffered by employees due to their work. Failing to carry this cover can result in heavy fines and leave your company exposed to compensation claims.
5. Breakdown Assistance and Recovery
A stranded truck means missed delivery deadlines and unhappy clients. Adding breakdown and roadside recovery to your truck insurance gives peace of mind. Some insurers also offer replacement vehicle hire to keep your business running while repairs are completed.
6. Fleet Truck Insurance
Managing individual policies for several vehicles is costly and time-consuming. Fleet truck insurance groups multiple trucks under one policy, often reducing overall premiums and admin. Many providers let you add or remove vehicles easily as your fleet changes.
How to Choose the Right Truck Insurance
When comparing UK truck insurance, look beyond price. Check policy limits, exclusions and optional add-ons such as legal expenses cover or trailer protection. Brokers can help you find tailored solutions for haulage, delivery or specialist transport operations. Ask for quotes that match the real risks of your business rather than a one-size-fits-all policy.
Why Expert Advice Matters
Truck operators face strict regulations, from driver CPC rules to vehicle weight restrictions. An experienced broker understands these requirements and can help ensure your commercial truck insurance meets both legal and operational needs. This can prevent costly gaps that only become obvious after a claim.
Protect Your Haulage Business with the Right Cover
Choosing the right truck insurance is not just about compliance. It protects your fleet, drivers and customers, while keeping your business moving after an accident or loss. Work with a broker who understands haulage risks to secure a policy that matches your operations and avoids costly underinsurance, and get your truck insurance quote today!
