Lorry Fleet Insurance For UK Operators

Lorries a fleet policy can carry

A lorry fleet schedule can mix vehicle types and weights, provided the underwriter is told what each vehicle does.

• Rigid box lorries, curtainsiders and flatbeds
• Tippers, grab lorries and muck-away trucks
• Articulated tractive units and drawbar combinations
• Crane-equipped and specialist bodied vehicles
• Lighter commercials alongside the heavies where needed

Own goods or hire and reward

This distinction shapes both the cover and the price. Own goods use means the lorries carry your own materials, plant or stock. Hire and reward means they carry other people's goods for payment, which is the haulage class and needs the use declared as such.

Getting the use right at quote stage is critical, declaring the wrong basis is one of the most common reasons a lorry claim is declined. Your Broker Zone specialist will discuss the correct basis for how your lorries actually work.

What lorry fleet underwriters look at

Lorry fleets are manually underwritten and these are the details that most often shape the terms returned.

• Confirmed claims experience over three to five years
• The trade, the goods carried and whether use is own goods or hire and reward
• Driver ages, licence categories and endorsements
• Overnight parking, yard security and where trailers are kept
• Annual mileage, operating radius and any foreign use