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Heavy goods vehicles (HGVs) are a common sight on UK roads, the lifeblood of the nation, transporting goods to where they are needed most.

If you drive an HGV for a living, you know that your livelihood depends on your vehicle, with responsibility for the safe transport of your customer’s precious goods. Unfortunately, sometimes accidents happen, even when you’re not to blame. For peace of mind, you need reasonably priced cover for your cab, trailer and potentially the goods you carry.

Affordable HGV insurance

Whatever your situation, an affordable HGV insurance policy is key. This can be challenging, especially if you’re a young driver under 25 or a newly qualified HGV driver. Whether you’re insuring an individual 7.5 tonne lorry or an entire fleet, Quote Goat can help you find cheaper insurance.

All drivers named on the policy will need a professional driving qualification called the Driver Certificate of Professional Competence (CPC). They may also need an operator’s licence, depending on your vehicle’s weight and other criteria.

What you use your vehicle for may affect the insurance cost. If you carry hazardous goods you might need specialist insurance as it may not be covered by standard policies.

What do insurers classify as an HGV?

There is no standard definition amongst insurers; it will depend on the type of vehicle and what you use it for. However, typical weights to be classified as an HGV might be between 3.5 and 44 tonnes.

What licence do you need to drive an HGV?

It probably won’t surprise you that a standard driving licence isn’t enough to operate an HGV. To legally drive one, you need one of four licence types depending on the vehicle and trailer’s weight:

Category C1

Allows you to drive vehicles between 3,500 and 7,500kg maximum authorised weight (with a trailer up to 750kg).

This licence covers most horse boxes, removal trucks and ambulances.

Category C1+E

Allows you to drive Category C1 vehicles with a trailer over 750kg. The combined maximum authorised weight of both can’t exceed 12,000kg.

This licence covers most removal trucks with an additional trailer, towing large caravans and heavy machinery.

Category C

Allows you to drive vehicles over 3,500kg (with a trailer up to 750kg maximum authorised weight).

This licence covers most haulage and large removal trucks.

Category C+E

Allows you to drive Category C vehicles with a trailer over 750kg.

This licence covers most articulated lorries and rigid trucks with a trailer unit.

 

You will also need a professional driving qualification called the Driver Certificate of Professional Competence (CPC). This involves passing four tests: theory, case studies, driving ability and practical demonstration. After you have qualified, every 5 years you will need to take 35 hours of periodic training.

You will also need an operator’s licence if you carry goods (your own or someone else’s) for hire and reward.

How old must you be to drive a lorry?

You need to be at least 18 years old to get a lorry licence and will need to already have a full driving licence for a car.

Finding affordable insurance can be tough as a young HGV driver, but comparing quotes with Quote Goat helps you get the best price.