HGV insurance to protect your business
Over 70 years of experience
Cover options tailored to you
Get a cheap HGV insurance quote with no obligation
Helping businesses with specialist HGV insurance for over 70 years
We’ve worked with leading insurers for 70+ years to provide HGV and truck insurance at competitive prices.
Finding you the best cover for your HGV truck or fleet
We work with a panel of UK insurers to give you an HGV truck insurance quote tailored to your needs.
Experts
At Radius we’ve been supplying HGV insurance for over 70 years. Our friendly experts make sure you get the right cover for your business.
Personalised cover
We’ll find the HGV cover that’s right for you, personalised to your needs.
More than just insurance
Beyond HGV insurance, we provide telecoms, fuel cards, telematics, electric vehicle charging, business energy and vehicle solutions.
Search our panel of insurers to find competitive cover
We provide cheap HGV insurance through a panel of famous brands, including AVIVA, AXA, Allianz, Lloyds and NIG.
Three simple steps to get you the right HGV insurance coverage
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Quote found!
Get insured fast
Three simple steps to get you the right HGV insurance coverage
1
Discovery
Fill in our online form or chat to one of our friendly team members.
2
Search
We’ll find the cheap HGV insurance policy that’s right for you – and your wallet.
3
On the road
Complete the insurance documents online or over the phone.
What our HGV insurance expert says
“Every business is different, and so is every HGV policy. Whether you run a single truck or a nationwide fleet, our job is to make sure you get cover that fits your business, not just the cheapest option on paper.”
Types of HGV insurance from Radius
Single HGV insurance
Single HGV insurance protects one vehicle against accidents, theft and damage. It can also include breakdown cover, legal costs and more.
HGV fleet insurance
For multiple vehicles, HGV fleet insurance provides cover under a single policy, giving you the same protection across your fleet.
HGV breakdown cover
Breakdowns cost time, delay deliveries and damage your reputation. HGV breakdown cover keeps you protected and gets you back on the road fast, while avoiding unexpected recovery bills.
See why drivers choose us for HGV insurance
Absolutely fantastic service
“Absolutely fantastic service from Louis this morning. He has managed to save me over £1,700.00 on our annual policy. He was efficient and friendly to deal with, and I am absolutely over the moon.”
Samantha,
September 2024
Very happy with the service
“Very happy with the service. Kieran went above and beyond to get the best competitive price for my insurance. [He] came back with a quote considerably lower than many others I had received.”
Nick,
July 2025
Coverage required for HGV drivers
HGVs over 3.5 tonnes need valid HGV insurance with third-party cover to protect other people and property in the event of an accident. The right HGV insurance keeps you legal and protects your drivers, vehicles and reputation.
Key elements of HGV insurance:
Third-party cover, a legal requirement
Goods in transit cover, which protects cargo against loss, theft or damage (often required by clients and contracts).
An Operator’s Licence, something essential for businesses carrying goods for hire or reward.
International requirements. Additional documents may be required for certain destinations; these must be in place before your HGVs go abroad.
What else can be covered by HGV insurance?
Radius’ HGV insurance can also include cover for:
Full claims management support
Individual or fleet insurance options
No claims bonus protection
Personal effects protection
HGV breakdown cover
Optional European cover
Own goods or Hire & Reward cover
Legal expenses cover
Introductory discounts for new policies
‘Any driver’ cover options
Why you need HGV insurance
HGVs involve risks that standard motor policies can’t cover. By law, every HGV over 3.5 tonnes must have HGV insurance. This protects you against legal liability if an accident causes injury or damage to other people or property. Specialist HGV policies cover vehicle damage, cargo and fleet protection.
How much does HGV insurance cost?
HGV insurance costs depend on your business and the kind of cover needed. The type and size of vehicle(s), value of goods carried, driver experience, claims history and whether it’s a single truck or fleet all impact your HGV insurance cost too.
Take control of more than just HGV insurance
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0333 070 5876. We’re here to help you with any questions or concerns you may have.
Explore our other business solutions
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Invoice management
Free app to make claims on the go
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Why choose radius?
Our international presence impacts over 470,000 businesses across five continents.
Expertise
Our team has over 36 years of experience helping more than 470,000 customers globally
Trust
We are an internationally-acclaimed provider with numerous awards for our products and services.
Choice
Choose from our range of fleet, mobility and connectivity solutions that can be tailored to suit your needs.
Solutions
Use our award-winning technology and services to save your business time and money.
Can’t find what you are looking for?
Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.