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Commercial motor and fleet
Insured vehicles, drivers and road-use liabilities under the agreed motor policy terms.
Road haulage insurance
Haulage Insurance for UK Operators
Compare fleet, goods in transit and carrier liability cover—matched to your vehicles, loads, contracts, routes and security controls.
FCA-authorised broker
HGV fleets and road hauliers
Cover subject to underwriting
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Working with insurer markets
Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.
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- AXA
Separate the main exposures
Protect vehicles, customer goods and contractual liability
Motor, cargo and carrier liability are distinct. The policy structure should reflect what is carried, whose goods they are and the contracts governing responsibility.
Goods in transit
Physical loss or damage to declared goods carried, subject to commodity, value, route and security terms.
Carrier liability
Liability for customer goods under applicable contracts or conventions, within the insured basis and limits.
Public and employers’ liability
Third-party and workforce injury exposures arising from depots, loading and haulage operations.
Depot and business interruption
Declared premises, contents and selected income loss where insured damage disrupts operations.
Legal, cyber and management risks
Additional protection may be needed for disputes, transport systems, directors and operational data.
The load profile matters
Different haulage operations need different terms
A general pallet carrier should not be presented in the same way as a refrigerated, hazardous or high-value operator.
General haulage
Palletised, packaged or industrial goods carried on regional or national routes.
Contract distribution
Regular customer routes with service obligations, concentrated contracts and scheduled deliveries.
Specialist loads
Refrigerated, hazardous, oversized, fragile or theft-attractive goods need detailed underwriting.
Subcontracted operations
Use of owner-drivers or other hauliers changes control, liability and evidence requirements.
Goods cover and carrier liability are not interchangeable.
Declare the contract terms, maximum value on any one vehicle or trailer, goods carried and territorial scope. RHA, CMR or customer conditions can change the liability basis and required limits.
Prepare for underwriting
Information that shapes haulage insurance terms
Insurers need the fleet, load and operational controls to tell one consistent story.
- Vehicle, trailer, driver and operating-licence details.
- Goods carried and maximum load or accumulation values.
- Routes, territories, depots and overnight parking.
- Tracking, immobilisation, trailer and key controls.
- Contracts, RHA or CMR terms and subcontracted haulage.
- Claims history, driver management and required limits.
Check the detail
Common haulage cover gaps
Small differences in goods, contracts or security can have a large effect on whether a loss is covered.
Commodity restrictions
Theft-attractive, hazardous, temperature-sensitive or excluded goods must be declared and agreed.
Security conditions
Parking, keys, tracking, alarms and unattended-vehicle conditions can determine the theft response.
Insufficient load limits
The maximum value on one vehicle, trailer or location should reflect realistic peaks and accumulations.
Contractual assumptions
Accepting liability beyond standard trading conditions may sit outside the insured carrier-liability basis.
Common questions
Haulage Insurance for UK Operators FAQs
What can haulage insurance cover?
A haulage programme can combine commercial motor or fleet, goods in transit, carrier liability, public liability, employers’ liability and selected depot or interruption covers.
Is goods in transit the same as carrier liability?
No. Goods in transit describes physical goods cover, while carrier liability responds to insured legal or contractual liability for customer goods. The basis and limits should be checked.
Does haulage insurance cover subcontractors?
Only where the use of subcontracted hauliers is declared and the policy provides the relevant cover. Contracts, insurance checks and responsibility for goods should be reviewed.
Are goods covered in an unattended vehicle overnight?
Cover depends on the commodity, location and policy security conditions, which can include approved parking, locks, alarms, tracking and time restrictions.
Does haulage insurance cover RHA and CMR liability?
Policies may be arranged on an agreed contractual or convention basis, but the operative terms, territories and limits must match the contracts actually used.
What affects haulage insurance cost?
Pricing can depend on vehicles, drivers, goods, load values, routes, territories, contracts, parking and security, claims history, limits and excesses.
Compare road haulage insurance quotes
Tell us which vehicles and drivers operate, what they carry, the maximum values, contract terms and security arrangements.