Drivers with HGV licences and a clean accident record are crucial when it comes to managing your truck insurance costs. Some insurers will require a minimum number of years’ experience behind the wheel of a large goods vehicle.

Forward-facing and reversing cameras can help defend against claims and reduce accident risk. Telematics also track driver behaviour and vehicle performance—helping you improve safety and potentially lower premiums.

Truck theft is a major risk, especially for long-haul operators. Secure parking, wheel clamps, alarm systems, and immobilisers help reduce this risk—and make your business more insurable.

The more miles your trucks cover, the greater the risk. By planning routes efficiently and avoiding excessive mileage, you may be able to lower your insurance premium. Mileage declarations should always be accurate to avoid issues at claim stage.

HGVs stored in a secure compound or depot with restricted access and CCTV monitoring are seen as less of a risk by insurers. Night-time security matters—especially in areas with higher crime rates.

Routine inspections and preventive maintenance not only improve vehicle safety but demonstrate your commitment to risk management. Keep logs of maintenance and repairs to help support your insurance application or claims.

Opting for a voluntary excess may help reduce your premium. However, it’s important to balance potential savings against your ability to cover that cost in the event of a claim.

If you run several lorries or HGVs, switching to a dedicated truck fleet insurance policy could be more efficient and cost-effective than individual policies.