Commercial Truck &
HGV Insurance

Whether you’re an independent truck driver or manage a large haulage fleet of HGVs and lorries, we’re here to help you get the right insurance to cover you against every eventuality. Since 1984, we’ve understood the unique challenges faced by owner operator HGV and lorry drivers.

What Does Truck and HGV Insurance Cover?

We’ll work with you to build the right policy for you, to cover exactly what you need. Flexible and tailored owner operator insurance for your vehicle or fleet of HGVs and lorries is essential to make sure you have the right insurance to support you when you need it.
With over 30 years’ experience in the haulage industry, we’ll help build your tailored HGV and truck policy which might include:

  • Fire and theft damage for your lorry
  • Personal accident and illness cover
  • The contents of HGVs or damage to goods in transit
  • Expenses incurred if your truck break down
  • Costs incurred by the delayed delivery of goods

Commercial Insurance for Trucks, HGVs and Lorries

Whether you’re an owner operator looking for private HGV insurance or a fleet manager looking for commercial truck insurance, we can advise on how you can insure any type of vehicle, including:

  • 7.5 tonne lorries
  • Pick-up trucks
  • Recovery trucks
  • Articulated lorries
  • 3.5 tonne recovery trucks
  • Skip lorries

Truck and Lorry Insurance Requirements

Depending on the industry you’re in and whether you lease with a larger company, your minimum HGV insurance requirements will change. What you need will depend on the types of transport you provide and the vehicles you operate. We can insure vehicles in a range of different industries, including:

  • Building and construction
  • Food & drink
  • Oil and liquids
  • Haulage

If you’re part of a larger company or you’re working with a specific type of vehicle or goods, you may have dictated minimum requirements. However, it might be that it’s more cost effective or advisable to exceed the bare minimum.

We will take the time to understand your circumstances and help you with your requirements, as well as advising on how to get the best deal for you.

We will discuss your requirements for the following:

  • Liability insurance
  • Physical damage insurance
  • Cargo insurance
  • Trailer insurance

We’ll help you find any extra cover you might need to take on new contracts.

Reduce Risk to HGVs and Lorries

As an experienced broker, we have strong relationships with our insurance partners. We can help you to identify steps you can take to reduce your risk and work with you on how you can properly and accurately present this to insurers.

We can help you with:

  • E-learning and driver education
  • Risk assessment planning
  • Post-accident activities and learning
  • Driver training
  • How to effectively use telematics
  • Making use of cameras

We’ll help you find any extra cover you might need and more ways you can reduce the risk to your vehicles and drivers.

Read more about some of the fleet risk management solutions you can access with us.

Another useful read is our guide on road safety facts and tips:

Need more

Please call John Donaghy or the team on 020 8290 9099 to see how we can help you with your mixed commercial motor fleet insurance. Alternatively, you can email us at

We are proud to have had a long-term partnership with Anthony Jones Insurance Brokers. Our relationship strength is paramount to the insurance protection we buy and our collaboration across claims and risk management. Respect, honesty and realism drives both our businesses forwards.”

John Williams
Owner and Executive Chairman
Maritime Transport

Have a Truck & HGV Insurance Expert on Your Side

We have extensive experience working with a range of insurance providers throughout the industry and can get you the cover you need at the best deal available.

We’ll help you manage risk and meet your legal obligations as well as make sure you have support when you have to deal with a claim.

We’re partnered with DAC Beachcroft, who have a specialist motor prosecutions team, available if you or one of your drivers is involved in a serious road traffic accident. Watch our short films to find out more about what happens in the event of a serious road traffic accident:

Make an Insurance Claim Quickly and Easily

From independent drivers to managing a large fleet of HGVs, we know you’ll need a fast and easy claims process.

Just use our simple online form so you can report any accidents or incidents to us quickly and hassle-free.

Why Anthony Jones?

Anthony Jones has over 30 years’ experience in the commercial vehicle sector and has built up significant expertise over this time. We have a dedicated commercial motor team who deal with the needs of individual van owners as well as those running small and large fleets of commercial vehicles.

Take a virtual tour of our stand at the Commercial Motor Show online:


Some of our most asked questions, answered below:

HGV Medical: What is Involved & When Is It Due?

At Anthony Jones we have created an online resource to answer your questions at your convenience. Simply browse a category to find FAQs relating to that section.

When would I need Commercial Vehicle insurance rather than Car insurance?

If you have a company and have vehicles that you use within the business, then you need Commercial Vehicle insurance. The vehicles you own might include those which are obviously commercial vehicles, such as lorries, vans and forklift trucks. But company cars are also classed as commercial vehicles and should be covered by Commercial Vehicle insurance. Private car insurance will not include cover for company-owned cars.

When would I need Fleet insurance rather than Multi-Car insurance?

Multi-Car insurance can be used to cover a number of privately-owned cars used for personal use, perhaps incorporating a bit of business use, such as commuting, too. However, Multi-Car insurance can’t be used to cover company cars. For this, you’ll need Fleet insurance. If you want to insure fewer than 5 or 6 company cars or other commercial vehicles, you can protect them with a Mini-Fleet insurance policy.

What is Goods in Transit insurance?

Goods in Transit insurance (GIT insurance for short) is also often referred to as Cargo insurance. As the name suggests, this insurance covers goods (which includes everything from food to furniture, building supplies to cars, and machinery parts to animals) which are being transported from one place to another. Goods in Transit insurance protects your goods in case they are damaged or lost while they are being transported by road, air, rail or sea.



michael bentley
michael bentley
08:19 25 Sep 23
Very happy for many years, formerly dealing with Bob Chapman, Rose and Claire. Very friendly, very competitive quotes.
Colin Lee
Colin Lee
09:20 12 Sep 23
Joe and Mark are a credit to their profession. Thank you very much for your professionalism and the honest way that you conduct business.
Jed Lowe
Jed Lowe
16:06 07 Jul 23
…. Walked the extra mile including taking call on day off to sort out a mess caused by previous broker … can’t thank Bo and Tom enough ….
William Tracy
William Tracy
08:10 02 Jul 23
I have my Public Liability insurance with Anthony Jones. Tom Cowap normally deals with all my queries and renewal. I have found this company to be very helpful and polite and have dealt with my inquiries and renewal's quickly. Tom has always been really helpful.
Vapourlites Ltd
Vapourlites Ltd
13:43 11 May 23
Professional and efficient, first class service provided
Louise Burton
Louise Burton
13:46 21 Apr 23
I have worked with this company and Joe Penny for many years now and wouldn’t go anywhere else. Would Highly recommend Joe to anyone
lucy barham
lucy barham
09:09 21 Apr 23
Anthony Jones have have taken care of our commercial and fleet insurance needs for years. I have recently renewed our commercial & Liability insurance and trust that Joe Penny (account handler) understands our business and always strives to get the best rates and policy for us. I would highly recommend to anyone.
Ben Doughty
Ben Doughty
19:08 23 Oct 22
Steve @ Anthony Jones has been servicing our business for years and has always provided the best service I could ask for from a broker. Very responsive, great communication and a great company and individual to do business with. Does what is expected and more. Thanks
Louise Evans
Louise Evans
22:44 09 Aug 22
I use Anthony Jones Insurance Brokers annually for my home and contents policy. Sharon is always great to deal with, responsive, professional and found me a great deal. Really happy with my policy and will continue to use Anthony Jones in the future.
Amy LH
Amy LH
19:19 19 Jul 22
I have been a client of Anthony Jones for over 10 years as the broker for the buildings & associated insurances for our freehold property of 3 flats. For the last 6 years I have dealt with Tom Cowap who is always highly efficient, professional and easy to deal with. He really went above and beyond this year when he found the existing policy had stopped covering flood risk and that the alternatives offered a significant increase in premium on the previous year. He didn't involve me until he'd found policies which offered the right cover, but with a reasonable premium and it was genuinely surprising that he didn't try to sell me the more expensive option. I can't imagine wanting to move to a different broker in future because of this great service. Thanks Tom!
Stu Matson
Stu Matson
15:06 01 Jul 22
We have dealt with Tony and Steve for a few years now and are always so pleased with their service, patience and support in helping us get the insurance plans required for our outdoor events. I really couldn't recommend highly enough.
Arif Ali
Arif Ali
11:47 19 May 22
Bo has helped with the review and renewal of our Property Owners insurance for the last few years. I have found Bo very helpful and professional and would certainly recommend her to others. Kind regards.
Olga Bradley
Olga Bradley
16:28 11 Apr 22
Tom was very helpful, and very patient during the whole process of finding me a qoute for public Liability insurance. He helped make the whole process much easier for me. I would use his service again in the future.
Keith Rossiter
Keith Rossiter
18:42 28 Mar 22
Very efficient and friendly service. Competitive prices.
12:09 14 Mar 22
We have used Anthony Jones in excess of twenty five years. Always find them helpful and efficient, and they are able to get us the best costs for our insurance policies.
Brian Sealey
Brian Sealey
15:39 14 Feb 22
I dealt with a bloke called Joe Penny. From the minute we starting speaking he explained everything to me, explained all the ins and outs of the insurance. He made me feel at ease straight away. I would definitely recommend him if your looking for vape shop insurance. Cheers Joe will be back in touch when it’s time for renewal 👍
Paul Jackson
Paul Jackson
12:36 16 Nov 20
I wrote the following two years ago. Since then, I have continued to receive great service from the team at Anthony Jones - they are courteous & very effective, a pretty good combination for an insurance broker!"I chair a campaign to save our local pub. We launched a share sale and succeeded in buying the Crown a few days ago, so we needed help in selecting the right insurance for the site whilst renovations were under way, including unoccupied property cover. Tony Ellis of Anthony Jones Insurance was really helpful in guiding us through this process, and we now have the correct cover in place. Fast, easy to deal with & knowledgeable - just what you need from your insurance broker! Well done Tony and all at A Jones."
Irene Sauer
Irene Sauer
12:04 31 Aug 20
Excellent service.
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