HGV and Truck Insurance

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Protection for HGVs and trucks with Swinton Business

Here at Swinton Business, if your HGV or truck is out of action, we know just how much of an impact it can have on your business. That’s why we’re here to help you arrange the right cover to ensure that your truck gets back on the road as soon as possible, and protect you against the consequences of not being able to deliver goods.  

If your business has an HGV or truck weighing over 7.5 tonnes, Swinton Business can help you find an insurance policy to suit your needs.

We can also help you get the right protection for the goods that you’re carrying, as we know what the potential implications are, should they become damaged. 

What is covered by an HGV and Truck Insurance policy?

  • The loss of, or damage to, the insured HGV or truck by fire, lightning, explosion, theft or attempted theft
  • Trailers owned or hired by you
  • Accidental damage caused to your vehicle and trailer
  • Contribution to replace the lock on your HGV or truck
  • Window and windscreen damage
  • Foreign use

We can also provide breakdown cover, so you’ll receive roadside assistance if you get stranded. Sometimes this cover isn’t included as standard, so make sure you speak to us so we can arrange it for you.

We can also offer protection for the goods you’re carrying, so if anything happens that results in you not being able to deliver them on time, or on the date you intended to, you’ll be covered for:

  • The loss of, or damage to, the goods
  • Any legal costs you may incur as a result of losing or damaging the goods

Public Liability Insurance and Employers’ Liability Insurance policies are also available to help cover the cost of compensation and any legal fees, in the event of a claim made against your business by a member of the public or an employee. 

You can also discuss Business Equipment Insurance with us, as we know just how important the tools of your trade are to keeping your business running smoothly. This cover offers protection against theft and malicious or accidental damage, giving you that extra peace of mind.

Why choose Swinton Business for HGV and Truck Insurance?

  • Cover available for a wide range of small to medium businesses.
  • We’ll do all the hard work for you and provide you with a policy to suit your needs.

Does Swinton's HGV and Truck Insurance have any weight restrictions?

We can cover HGVs and trucks weighing over 7.5 tonnes. 

Who can drive my HGV or truck?

It’s important to speak to us about how we can add additional drivers on to your policy, as the restrictions may vary. Any additional drivers will be required to hold the relevant licence, depending on the vehicle you’re using, and isn’t disqualified from holding or obtaining such a licence.

Can I drive my HGV or truck abroad?

We use a selected panel of insurers to make sure we find the right insurance to suit your needs, so depending on your circumstances we may be able to offer cover, should your business take you to other countries. 

What goods can I carry in my HGV or truck?

Typical goods may include food or flowers, but please speak to us to make sure we can cover what you’re carrying.

Does Swinton Business offer Fleet Insurance?

Yes – if your business has two or more vehicles, we can help you to arrange a Fleet Insurance policy to help keep them protected.

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