KEEPING THE FLEET MOVING
Connected haulage fleet insurance built around telematics, rapid digital claims, and hands-on risk management — so safer fleets pay less.
Choose your line of cover.
Haulage Fleet Insurance
One policy, every vehicle. Telematics-powered cover for HGVs, tippers, flatbeds and refrigerated transport — with up to 10% premium rebates for safer fleets.
Haulage Liability Insurance
Goods in Transit, Public Liability, Employers’ Liability and Business Interruption — the legal and contractual protection every UK haulier needs alongside motor cover.
Haulage Fleet Insurance
Motor cover for the vehicles that keep your operation running — flexible cover levels, fleet-wide policy admin and tailored cargo extensions.
Flexible Cover Levels
Choose between fully comprehensive, third-party fire & theft, or third-party only.
Windscreen Repair
Includes the repair or full replacement of cracked or shattered windscreens.
Medical Expenses
Cover for injuries sustained by your driver and all vehicle passengers.
Unauthorised Use
Liability to third parties when the vehicle is used without your authorisation.
Personal Belongings
Cover for damaged or stolen personal items, including key replacement.
Tailored Cargo
Flexibility for a range of vehicle types, driver profiles, and cargo across UK routes.
Haulage Liability Insurance
Beyond the vehicle. Protect the cargo, your people, your premises and your contracts with liability cover designed around UK haulage operations.
Goods in Transit
Protects customer cargo against loss, theft or damage while in your care — CMR, RHA and bespoke limits available. UK, Europe or International Covers available.
Public Liability — limits up to £10M
Cover for third-party injury or property damage during loading, unloading or at customer premises. Limits available up to £10 million.
Employers’ Liability — limits up to £10M
A UK legal requirement — protects drivers, warehouse staff, mechanics and office employees if injured at work. Limits available up to £10 million.
Business Property
Cover for depots, yards and offices against fire, flood, storm, theft and damage to loading equipment.
Business Interruption
Replaces lost income after a major incident, keeping the business running while you recover.
Legal Defence
Support with prosecutions, contract disputes and Operator Licence issues that come with running an HGV operation.
Why choose GMG haulage insurance?
Our connected insurance product is built to handle the complexities of the haulage sector, combining telematics insights with hands-on risk management to reduce road incidents, drive efficiency, and help fleets earn up to 10% of their premium back.
Proven Fleet Expertise
A track record of helping UK fleets cut claims frequency and reduce the total cost of running a fleet.
Simple Fleet Management
Add or remove vehicles and update policy details in minutes from the digital GMG portal.
Rapid Digital Claims
Fast, digital claims handling that minimises downtime and gets your trucks back on the road quickly.
Safety Insights
Real-time telematics data identifies risk across your fleet and helps act before incidents occur.
Free Risk Management
Complimentary sessions with our risk team to review performance and reduce claims trends.
Trusted Underwriting
Policies underwritten by leading UK motor insurers with deep haulage claims expertise.
Save time and money — keep drivers safe.
Our key features are powered by telematics, and we're compatible with almost all UK device providers. Use your existing devices or install ours for free.
Discounts for Safer Driving
Get rewarded with up to 10% premium rebates by driving safely, reporting claims quickly, and maintaining a healthy loss ratio.
Digital Policy Admin
Add or remove vehicles in three clicks. All vehicles are auto-added to the Motor Insurance Database (MID).
Actionable Risk Mgmt
Identify high-risk drivers with real-time leaderboards and trip-by-trip safety analysis.
Fast, Flexible Claims
Report via QR code sticker, the online portal, or 24/7 hotline. Faster reporting means lower excess.
85% would recommend GMG to a peer.
“It has been really great working with GMG — your team takes the whole fleet insurance experience to the next level.”
“GMG is miles ahead of the competition. Their insurance will help us scale while keeping everyone safe.”
“The communication is second to none, which I find difficult with some other providers.”
“Outstanding service. GMG act with the rare combination of speed, diligence, and accuracy.”
“Friendly and efficient team. Rates are competitive and queries are dealt with quickly.”
“Impressed with the quick feedback and turnaround — everyone works as a team to provide outstanding service.”
24/7 Claims Line
An incident on the M6 at 3am doesn’t wait for office hours. Neither do we.
03330 50 2088Haulage insurance FAQ
What types of haulage fleets do you cover?+
We arrange cover for general haulage, refrigerated transport, tipper and bulk haulage, container and port work, ADR / hazardous goods, courier and parcel fleets, own-goods delivery, and wholesale food distribution. Whether you run a single artic or 200+ HGVs, our brokers can place it.
How is my premium calculated?+
Underwriters look at fleet size and vehicle types, driver experience and claims history, areas of operation (UK, Europe, International), goods carried, annual mileage and — increasingly — telematics data. Safer driving behaviour and faster incident reporting both push premiums down.
Do I have to use telematics?+
No — telematics is optional, but operators who share data typically unlock lower premiums and qualify for our Safer Driving and Time-to-Report rebates of up to 10%. We can work with most major black box and camera providers; no need to rip and replace existing kit.
How do the premium rebates work?+
Two rebates run alongside the core policy: a Safety Rebate driven by your fleet's telematics score, and a Time-to-Report Rebate based on how quickly drivers report incidents (ideally same-day). Both are calculated at renewal and returned against your next premium.
What Public and Employers Liability limits are available?+
Public Liability is available with limits up to £10 million and Employers Liability up to £10 million as standard, with higher limits on referral. Cover can include products liability, loading and unloading, and contingent motor liability where required.
Does Goods in Transit cover Europe and International journeys?+
Yes — Goods in Transit can be arranged for UK-only, European, or International journeys, including CMR conditions for cross-border work. Sums insured and conditions are tailored to your typical loads and routes.
How do I make a claim?+
Call our 24/7 claims line on 03330 50 2088 as soon as it is safe to do so. Reporting an incident within 24 hours speeds up settlement, protects your premium, and is required to qualify for the Time-to-Report Rebate. Photos, dashcam footage and driver statements all help.
Can I add or remove vehicles mid-policy?+
Yes. Fleet policies are designed to flex — vehicles and drivers can be added or removed throughout the policy year via your dedicated account handler, with premium adjustments made at renewal or on a pro-rata basis depending on insurer.
Do you charge any payment processing fees?+
No card surcharges on standard payments. Monthly instalments are available via a regulated premium finance facility; the credit cost and APR are disclosed in writing before you commit.
Are you authorised and regulated?+
Yes. GMG Insurance Brokers is a trading name of Grow Money Group Limited, an Appointed Representative of Movo Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No. 823503).
Ready for dispatch?
Our brokers understand the road. We speak your language and know your risks. Get a bespoke quote tailored to your specific logistics profile.
Same-Day Response
A specialist broker calls back within working hours.
No Obligation
Compare what we find with your current renewal.