Insurance for self-employed HGV drivers

If you operate as an owner driver, your insurance requirements are different from larger haulage companies.

We arrange cover for:

• Self-employed HGV drivers
• New ventures and start-ups
• Amazon Relay
• Established owner drivers
• Small operators with one or two vehicles

Whether you carry your own goods or operate on a hire and reward basis, we can tailor cover to suit your business.

What does owner driver insurance cover?

Policies can be arranged to include:

• Comprehensive, Third Party Fire & Theft or Third Party Only cover
• Goods in Transit Insurance
• Hauliers' Public Liability Insurance
• Employers’ Liability Insurance (if required)
• Breakdown Cover
• Legal Expenses Cover

👉 Cover is tailored to your vehicle, usage and contractual requirements.

Starting out as an owner driver

If you are starting a haulage business, insurance can be one of your biggest costs.

We can often help reduce premiums by offering introductory No Claims Discounts, for example if you:

• Have previous HGV driving experience
• Have been insured on another vehicle
• Have worked as a driver for an employer

👉 Helping you secure competitive cover from the outset.

You will, of course, need an operator's licence

Want to understand what affects HGV insurance premiums?

Premiums can vary significantly depending on:

• Driver experience
• Claims history
• Type of work
• Vehicle value
• Goods carried

👉 Read our guide: How Much Does HGV Insurance Cost in the UK?

Benefits of owner driver insurance

• Policies tailored to single vehicle operators
• Each vehicle builds its own No Claims Discount
• A claim on one vehicle does not affect others
• Flexible cover based on your work and contracts
• Access to specialist insurers

Why choose Avis Insurance

• Over 40 years’ experience in truck and haulage insurance
• Access to leading UK insurers and specialist underwriters
• Expertise in owner driver and small operator risks
• Competitive premiums across a wide range of businesses
• Direct, personal service from experienced brokers

What affects owner driver insurance premiums?

Premiums are influenced by:

• Driver age and experience
• Claims history
• Type and value of vehicle
• Nature of work carried out
• Operating radius

👉 Providing accurate information helps ensure the correct level of cover and the most competitive premium.

Related cover

As your business grows, we can also arrange:

• Multi-Vehicle Insurance
• HGV Fleet Insurance
• Goods in Transit Insurance
• Hauliers' Liability Insurance

Owner Driver Insurance FAQs

What is owner driver insurance?
Insurance designed for self-employed HGV drivers operating their own vehicle.

Can I get insurance as a new driver?
Yes, although premiums may be higher. Introductory discounts may be available depending on your experience.

Do I need goods in transit insurance?
If you carry goods belonging to others, it is usually required and strongly recommended.

Is fleet insurance cheaper than individual policies?
Fleet insurance may be more cost-effective if you operate more than one vehicle. We can advise on the best option.

Can I add additional drivers?
Yes, policies can be arranged to include additional drivers, subject to underwriting criteria.

Get an owner driver insurance quote

If you are looking for reliable, competitively priced owner driver insurance, we can help.

👉 Call 01628 662666
👉 Or request a quote and speak directly with a specialist