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If your business involves transporting goods you will require road haulage insurance. Cover can include damage and injury to third parties, damage to own vehicle(s), loss or damage of goods and is available for both UK and continental haulage.

Not only will you need the right products, but you will also need a robust claims proposition to ensure limited disruption in the event of a claim.

There are a wide variety of options to consider when taking out Road Haulage Insurance and it is important that you seek professional advice when choosing insurance cover.

  • Bespoke haulage solution to match your needs
  • Cover available for UK and continental use
  • Rebates available for risk management
  • Interest-free installments available
  • Ability to extend cover for airside risks

The S-Tech Difference

S-Tech Difference

With more than 30 years’ experience in the logistics industry, we understand the pressure contract conditions and regulations can place on your business. We will provide you with a single point of contact who has experience managing a variety of haulage clients, ranging from owner-operators to fleets in excess of 100 vehicles. Cover will be built around your business needs while providing competitive pricing. In this industry claims are inevitable. We have an incredibly experienced claims team that will provide hands-on support in the event of a claim.

Road haulage insurance in detail

There is a multitude of covers available and it is important the right covers are chosen to reflect your business risk. Our advisors will work with you to understand your business and guide you through the process of choosing the most appropriate insurance products. We have strong relationships with a number of specialist insurers and have access to the most appropriate cover enabling us to tailor a package to your needs:

  • Third party liability Damage or injury to a third party.
  • Goods in transit Cover for customers goods in transit.
  • Warehousing and storage Cover for goods while in warehousing or storage.
  • Windscreen cover Cover for repair or replacement to damaged glass.
  • Overseas cover Cover to extend insurance overseas.
  • Motor legal expenses Legal expenses cover specifically for motor claims e.g. defence costs.
  • Hauliers liability Cover for injury to employees or members of the public.
  • Directors' and Officers' Defends employees and directors for allegations of wrongful acts.
  • Commercial legal expenses Covers a variety of legal issues including employment and property disputes.

Risk management – Each haulage risk is completely different and insurance companies will price a risk accordingly. Your attitude to risk is vitally important and insurance companies will look for you to demonstrate the factors you are putting in place to reduce the risks of claims e.g. driver handbook, driver training, cameras, telematics, licence check etc. Our advisors will work with you to improve (where possible) your risk management. In some instances we will be able to source funding from insurance companies to support some initiatives.


  • If you carry other people’s goods for hire and reward (payment) then road haulage insurance is available regardless of how many vehicles you operate.

  • No, the risk will be rated accordingly based on the number of drivers, their experience and any claims/convictions. To keep pricing as competitive as possible it makes sense to restrict the driving as much as possible.

  • No, each type of insurance represents a different type of risk. Hauliers are generally pre-planned trips over long distances with one or two destinations, whereas couriers can be visiting multiple addresses that are not pre-planned. It is important to choose the right insurance as selecting the wrong insurance could invalidate your claim.

  • Most policies will cover your trailer up to a certain limit, but it is important to check this limit and whether cover is extended to include cover while detached, as it will differ between insurance companies.

  • We will do all we can to manage the claim on your behalf.

  • Yes, we provide the ability to pay by installments.

Get in touch

Speak directly to our team
01223 324233
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