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In order to use a vehicle exceeding the 7.5 tonne Gross Vehicle Weight on the public highway, you need to get an HGV insurance policy. These include vehicles such as:

1. Articulated Lorry
2. Tipper Lorry
3. Cement Mixers
4. Skip Lorry
5. Flat Bed Lorry

There are many leading insurance companies in the UK that have been effectively working for over ten years now. They provide and offer various benefits to their customers, and offer HGV insurance policies with the best possible covers. Some of the vital benefits of the HGV insurance policy offered by these companies include Free Legal Expenses Insurance and 24 Hours Free Claim Management Service. In case of an accident or mishap which occurred not because of your fault, these insurance companies also provide a replacement of your vehicle.

Apart from this, these companies can also be approached through the internet. The policy quotes are available online, and you can read the terms and conditions carefully before you decide to buy your policy. Furthermore, the agents of these companies are always there to help you guide on getting the cheap HGV insurance policy, including the best possible facilities and covers. Also, the highly professional and friendly staff are always available to answer any queries you have regarding the HGV insurance policy.

The HGV insurance policies usually provide cover of Comprehensive, third party fire and theft, and third party only. The insurance policies include excess, which is mainly the first part of the insurance claim for which you are legally responsible. The excess in most cases is usually 500.00, but can be reduced to 250.00 or even less, depending upon the circumstances.

The HGV insurance policy covers are available to all types of policy holders such as sole proprietors, lorry business partnerships, haulage companies, charities, and other such organisations.

A driver of age above 25 years is liable to fall under the HGV insurance policy. However, the policy can also be insured only, or with specific names mentioned. Mainly a full UK driving license is needed for a period of at least 2 years before you apply for a HGV insurance policy. Also, drivers with an EU license and International licenses can also obtain quotes for insurance policy.

All HGV insurance policy holders need to have Goods in Transit Insurance as well. Many insurance providers offer the Goods in Transit Insurance to their customers having the best possible facilities. Also, the Goods in Transit Insurance is available for either a single vehicle, or even for a number of vehicles which are HGV insured. Furthermore, there is no restriction on the type of goods being carried away in the insured vehicles.

Motor Breakdown cover is highly important for you to obtain for your vehicle. Usually, the HGV insurance policy providers offer this cover at a very small additional cost. You ought to be very careful when choosing the HGV insurance policy for your vehicle, and must settle on the one which best suits your needs and requirements in best possible way.

About the Author:

Paul Headley is a specialist insurance article writer. Staveley Head are a leading UK insurance broker for hgv insurance

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