HGV Insurance explained | What you need to know
16 Jun 2026
Posted By Media team
RHA Insurance Services are the official insurance partners of the RHA, providing RHA members with insurance coverage that goes beyond industry standards. If you own or operate a haulage fleet or single HGV, they can arrange HGV Insurance that includes all the cover you need to run your business safely and legally.
Call: 0203 960 2944
Visit: rhainsuranceservices.uk.net/contact
RHAIS can include Hire & Reward cover when arranging your policy. As a fleet operator or independent owner/driver, you will need this specialist commercial insurance required by UK law if you transport goods for financial reward.
Legal Requirement: Operating without this coverage can result in fines, loss of license, or criminal liability.
Commercial Vehicle Coverage: Standard vehicle insurance does not cover vehicles used for commercial purposes. Hire & Reward policies are specifically designed to cover HGVs, vans, and trucks transporting goods for payment.
Protection Against Third-Party Claims: Can cover claims from third parties if your vehicle is involved in an accident while carrying paying customers’ goods, including property damage or bodily injury.
Vehicle Damage & Liability Coverage: Provides protection for your vehicles and legal expenses in the event of an accident, ensuring that costly repairs or claims don’t disrupt your business operations.
Financial Security & Peace of Mind: Safeguards your business against potentially crippling compensation costs, allowing you to operate confidently and focus on running your haulage or logistics company safely and efficiently.
Goods in Transit Insurance
Haulage and logistics companies need specialist Goods in Transit (GIT) Insurance to protect the value of transported goods against loss, theft, or damage. GIT Insurance from RHAIS can operate under standard Conditions of Carriage, international conventions, and common law liability. It provides financial protection for loss or damage to goods, whereas Hire & Reward Insurance - part of your HGV policy - covers vehicle damage, liabilities, and legal expenses.
A key part of any haulage & logistics insurance package, Haulage Liability Insurance can be tailored to your company’s needs. RHAIS policies can include:
Public & Products Liability Insurance: Covering your haulage company with limits up to £50 million, this policy protects against claims from members of the public or third parties if your products or activities cause injury, death, or property damage. Essential for companies responsible for delivery or distribution, coverage can extend to rail-side and airside operations.
Employers’ Liability Insurance: The freight industry carries risks such as loading/unloading, heavy lifting, working at height, falling objects, and slips or trips. If an employee claims compensation for injury or illness, you could face significant legal costs and payouts. RHAIS provides cover for all employees, including drivers, warehouse staff, and agency workers.
Telematics & Safer Driving
Telematics and in-vehicle CCTV monitor driver behaviour, vehicle performance, and accident response. Data from monitoring can reduce claims, improve safety, positively influence your loss ratio, and potentially lower premiums.
RHAIS has an in-house claims team who will support you through every stage of the claims process, ensuring your business is back up and running quickly.
RiskPilot
Their purpose-built online platform, RiskPilot, gives RHAIS customers a dashboard to view claims from new to resolved in real-time, making progress tracking simple and transparent.
If you’re looking for a new quote or want to review your existing policy, contact RHAIS today.
Call: 0203 960 2944
Visit: https://rhainsuranceservices.uk.net/
RHA Insurance Services is a trading name of Specialist Broking Retail Limited who are authorised and regulated by the Financial Conduct Authority. (FRN 927512). Registered in England No. 10301653. Registered office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.