Private HGV Insurance

Compare private HGV insurance quotes from the UK's leading lorry insurers. Goods in transit cover and public liability available. Compare quotes now.

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WHY USE US?

Secure & Encrypted Form Data

UKLI COMPARE guarantee your confidence by securing online forms by following the latest internet security standards.

Happy Returning Customers

At UKLI COMPARE, we've thousands of happy customers returning to find great deals - since 2011.

100% Free Comparison Service

Using the services here on our website is always free to the consumer 100%.

You Could Save Time and Money

Get your quotes by filling in one simple form, compare prices, and start saving.

What you Need to Know About Private HGV Insurance

Are you a HGV driver looking to secure yourself an affordable and comprehensive insurance policy? If so, it’s important that you compare prices before making your long-term decisions.

Through the use of Quotesearcher LTD., you can now evaluate a range of renowned private hgv insurers to ensure that you get the best deal on cover suitable for your needs.
On this page, we give more information about why HGV drivers should be comparing policies online, as well as outlining how Quotesearcher LTD can help them make their purchases easier and cheaper.

Read on to find out more!

Or start your online HGV quote here.

The DIFFERENCE between private and business

If you own a Heavy Goods Vehicle (HGV), you understand the importance of having business insurance for HGV vehicles. Not only is it legally required, but it also protects you from potential financial loss in case of accidents, theft, or damage. When it comes to HGV insurance, there are two options:

Commercial and private insurance. While commercial insurance may be a no-brainer for business owners, private HGV insurance for non-commercial drivers require further explanation.

In this blog, we will take a closer look at private HGV insurance, its benefits, cost, coverage, and how it differs from commercial HGV insurance.

understand what it entails

Before diving into private HGV insurance, it's essential to understand what it entails.

Private HGV insurance, also known aspersonal HGV insurance, provides coverage for individuals or fleets who use their HGV for non-commercial purposes.
Examples of private HGV purposes can include moving belongings to a new home, carrying bulky items or materials for personal use, or even for hobbies like motorsports.
It is important to note that if you use your HGV for any revenue-generating business activities, then commercial HGV insurance is mandatory.

One of the main advantages of private HGV insurance over commercial insurance is pricing.

Private HGV insurance tends to be cheaper as individuals typically do not use HGVs as frequently as businesses do.
Moreover, private HGV insurance policies can be tailored to suit individual needs, meaning you only pay for the coverage you require.
Certain discounts may also apply, which can lower your annual insurance premiums further.

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lower premiums?

While private HGV insurance may offer lower premiums, it does not mean less coverage.

Private HGV policies contain the same fundamentals as commercial insurance policies, including third-party liability, comprehensive coverage, and collision coverage.
Damage or loss to HGV’s or personal property in transit is also covered under private HGV insurance.

As with any insurance policy, coverage and pricing can differ different insurers, so it's always essential to compare policies before making a decision.

common misconception

One common misconception about private HGV insurance is that your regular lorry insurance will cover your HGV.
However, this is not the case. HGVs require specific insurance coverage as they are larger and heavier than regular vehicles, which present unique risks and challenges.
Failing to have adequate HGV insurance could lead to hefty fines, penalties, loss of license, or even imprisonment.

benefit of private HGV insurance

Another benefit of private HGV insurance is flexibility.

With a private HGV policy, drivers do not have to adhere to set routes, consignments, or schedules, unlike commercial HGV drivers.
Private HGV policies also offer more options to add coverage for valuable goods.
For instance, if you're moving high-value assets such as art, antiques, or musical instruments, you can include additional coverage to ensure your goods are protected.

What you waiting for?

Private HGV insurance offers valuable protection for individuals who use their HGV for personal purposes.
The policy covers a wide range of risks and damages, including third-party liability, vehicle damage, theft, and loss of personal property.
While private HGV insurance may be cheaper than commercial HGV insurance, it is still crucial to compare policies and coverage options before making a decision.
By doing so, you can ensure you have adequate protection and peace of mind while using your HGV for non-commercial purposes.

If your looking to get a policy for your private HGV you can use the free service offered that can help you a great deal.

As an HGV driver, you will have specific needs for your private hgv insurance policy that require tailored coverage at the best price possible. To protect yourself, as well as other road users, it's essential to shop around to make sure you're getting a good deal on premiums and maximum protection.

That's where Quotesearcher LTD come in.

With their fast and comprehensive service, they can help you compare prices across specialist insurers and pick the best cover for your needs - enabling you to be safe on the road while saving money. Keep reading - we'll tell you more about how Quotesearcher LTD could help you find the perfect private hgv insurance rate!

Compare private HGV insurance quotes and find out how much it will cost each month or if you pay annually.