LGV Insurance

With the amount of large goods vehicles on the road these days, it’s encouraging to know that there are specific insurance policies available that will cover them. LGV insurance is an essential purchase for drivers of all vehicles over 7.5 tonnes in weight, and in reality is exactly the same as HGV insurance (the only difference being that LGV is the more common name for such vehicles in mainland Europe).

Such insurance is there to protect the driver of the vehicle itself as well as other road users, and can offer valuable peace of mind for business owners who want to ensure that their drivers are all operating legally. The basic policies will cover against any third party damage, but it’s often wise to go for more comprehensive levels of cover for the simple reason that these vehicles are on the road for a large amount of time and as such could need more protection.

Although it may seem like an incredibly specialist type of insurance, it won’t be that difficult to find if you know where to look. Many companies specialise in such policies and will happily give you a quote, and because there are different types available for individuals, fleets and business owners there’ll be something to suit everyone. Make sure to discuss your individual needs with each company as it’s always best to get a bespoke policy, and most firms will gladly accommodate to give you the level of cover that you’re looking for.

There are a number of things that you’ll need to consider when choosing your policy. The first will always be the level of cover that you can get, but make sure to consider any additions that can be included in your policy as well. Things like breakdown assistance, public liability, legal expense cover and windscreen protection may seem insignificant now, but for the negligible impact they’ll have on your premiums it makes sense to include them.

The price will be another important point, but remember to never put price before quality. You need to get the most comprehensive level of cover that you can afford, and contrary to popular belief it doesn’t have to be that expensive. If you spend the time to compare and see what discounts can be offered you’ll be able to find the right cover at the right price, so don’t be afraid to shop around and remember the importance of haggling if you want the best deals.