Whether you operate one lorry or manage a growing fleet, we can help you with tailored lorry insurance to protect your vehicles, drivers, cargo, contracts and reputation with specialist advice shaped around how your business operates.
Who we support
- Owner-drivers
- Small and growing haulage businesses
- Fleet operators
- Heavy goods vehicle operators
- Businesses carrying their own goods
- Specialist transport and logistics operators
- Companies operating refrigerated, tipper, curtain-side or articulated lorries
Challenges in your industry
Lorry operators are navigating a demanding trading environment. Financial pressures including rising fuel prices, repair and replacement vehicle costs continue to put pressure on your margins, while driver recruitment and retention remain key operational concerns. At the same time, challenging delivery requirements, road safety obligations, cargo theft, supply chain disruption and the risk of serious vehicle incidents can all affect your ability to keep your vehicles on the road.
How we support
We’ll work with you to design a robust insurance and risk management programme that reflects the realities of your fleet. Whether you operate a single vehicle, a small haulage business or a growing multi-vehicle fleet, we can support with protection for your lorries, drivers, goods in transit, liabilities and wider business risks.
Your business performs
With the peace of mind that your insurance is taken care of, you can focus on running your business, fulfilling customer commitments and managing your operation with confidence. We’re here to help you protect everything that keeps your business moving — from the vehicles on the road to the people, cargo and reputation behind every journey.
What does lorry insurance cover?
Lorry insurance should be tailored to cover the type of vehicles you own and how they’re used alongside the overall nature of your business and the wider risks you face. Depending on your requirements, cover may include:
- Commercial vehicle or HGV insurance — protecting your lorries against damage, theft, fire and road-related incidents
- Fleet insurance — for businesses operating multiple vehicles under one programme
- Goods in transit insurance — covering goods being transported while in your care
- Public liability insurance — protecting your business if third-party injury or property damage occurs
- Employers’ liability insurance — a legal requirement if you employ drivers or other members of staff
- Business interruption insurance — protecting your income should an incident prevent you being able to continue with business as usual, for example a fire or flood
- Breakdown and recovery support — reducing downtime if a vehicle is taken off the road
- Legal expenses cover — supporting legal disputes connected to your business.
Why choose Partners& for lorry insurance?
Our approach is collaborative, consultative and designed around your business. We don’t believe in one-size-fits-all insurance. Instead, we take time to understand your vehicles, journeys, contracts, drivers, cargo and claims history so we can recommend protection that is aligned to your needs, including:
- Specialist advice for haulage, logistics and transport-related businesses.
- Support with claims trends and risk management to help reduce incidents and control premium spend
- Access to insurers that understand the transport and logistics sector
What types of lorry insurance are available?
- Single lorry insurance —for owner-drivers or businesses operating one vehicle
- Multi-vehicle and fleet insurance — designed for businesses with several vehicles that need a coordinated approach
- HGV insurance — for heavy goods vehicles used for commercial haulage or transport
- Own goods cover — for businesses transporting their own goods rather than carrying goods for hire or reward
- Haulage cover — for operators transporting goods on behalf of third parties
- Specialist vehicle cover — for vehicles such as refrigerated lorries, tippers, articulated lorries, tankers or specialist load vehicles.
If you’d like to review your lorry insurance or understand whether your current programme is keeping pace with your operation, our specialist team can help. Talk to Partners& for advice that supports your vehicles, people and business performance.
