Austria
Belgium
Denmark
Estonia
Finland
France
Germany
Greece
Iceland
Ireland
Italy
Liechtenstein
Netherlands
Norway
Poland
Portugal
Spain
Sweden
Switzerland
Turkey
United Kingdom
Australia
Fiji
Hong Kong
India
New Zealand
Indonesia
Japan
Malaysia
Philippines
Singapore
Thailand
Brazil
Chile
Colombia
Mexico
Peru
USA
Bahrain
Israel
UAE
Morocco
Oman
Saudi Arabia
Tanzania
Single Truck insurance
Specialist single truck insurance for businesses that rely on one vehicle. Expert cover delivered by Wright Insurance Brokers, a trading name of Howden, with over 35 years of commercial vehicle experience.
About single truck insurance
Single truck insurance is designed for businesses that rely on one commercial vehicle to operate. Whether you run a rigid truck, tipper, box body, refrigerated unit or recovery vehicle, that truck is central to how you earn a living. This cover brings together protection for your vehicle, your goods and your day‑to‑day operations, helping you stay on the road with confidence.
As a broker, we take time to understand how your truck is used, what you carry and where you travel. We then arrange cover that reflects the real risks faced by single‑vehicle operators, rather than applying a generic motor policy.
Wright Insurance Brokers’ expertise in this area
Wright Insurance Brokers is a trading name of Howden and has over 35 years of experience supporting commercial vehicle operators across Ireland. The team specialises in insuring single trucks and understands the practical risks that come with relying on one vehicle to keep a business running.
By combining Wright Insurance Brokers’ specialist knowledge of truck and HGV insurance with Howden’s wider market access and claims support, we provide tailored insurance solutions built around the realities faced by owner‑drivers and single‑vehicle businesses.
How it differs from haulage or fleet insurance
Single truck insurance is designed for operators who use one vehicle for their business. It is simpler and more focused than fleet or haulage insurance, which cover multiple vehicles or specialist transport for hire or reward.
Other the other hand, motor fleet insurance protects several vehicles under one policy. Whereas, haulage insurance protects fleets or drivers who carry goods long distances for clients.
Single truck insurance focuses on the specific risks of one commercial vehicle, whether you use it for your own goods, local deliveries or specialist work.
What’s covered under a single truck insurance policy
Comprehensive & third party cover
Comprehensive, third-party fire and theft or third party only cover options available. Protection for your vehicle based on your risk appetite.
Own goods cover
Insurance for carrying your materials, tools or equipment.
Hire and reward cover
Suitable if you transport goods for clients or run a haulage service
Goods in transit cover
Goods in transit insurance offers protection for goods you carry against damage or theft.
Public liability insurance
Public liability covers injury or property damage caused during loading, unloading or deliveries.
Employers’ liability insurance
Required if anyone works with or for you in your trucking business.
Windscreen and glass cover
Useful for high‑mileage commercial vehicles.
Trailer cover
Protection for trailers you own or use.
Who needs single truck cover
Single truck insurance is suitable for:
- Self‑employed truck owners
- Owner‑driversTrades
- People using a truck for their business
- Construction and plant operators
- Food truck and catering operators
- Recovery and tow truck drivers
- Agricultural and forestry operators
- Waste and recycling trucks
- Refrigerated vehicle operators
If your business transports goods for hire or reward, haulage insurance helps protect your vehicles, your loads and your reputation.
How we support single vehicle operators
Our approach is built around understanding your business and making insurance simple.
- We learn how you use your truck, what you carry and where you travel.
- We review your risks, including driver experience, mileage and load type.
- We compare options from suitable insurers and explain your choices clearly.
- We support you through claims and help you keep your policy up to date.
Single Truck Insurance FAQs
Costs vary depending on your vehicle type, mileage, driving history, load type and where you operate. We help you compare suitable options.
The main risk is downtime. If one truck is damaged, stolen or off the road, the business can stop completely. That is why cover for repairs, liability and interruption is so important.
Vehicle cover, liability insurance and protection for tools or goods are usually critical. Depending on how you work, breakdown cover and business interruption support can also be important.
Yes. Cover can be tailored for tippers, recovery trucks, refrigerated vehicles, food trucks and other specialist uses. The key is matching the policy to how the truck is actually used.
It can be, because the policy only covers one vehicle. The exact cost depends on your risk profile and vehicle use.
Yes, recovery truck insurance can be included depending on insurer appetite and your operation.
Yes. We can help with cover for tippers, grab trucks, construction trucks and other specialist vehicles.
Yes. Food trucks can be insured, including cover for the vehicle and liability risks associated with catering.
Yes, we work with insurers that provide coverage options for refrigerated controlled vehicles.
Common claims include vehicle damage, windscreen incidents, theft of tools or equipment, and third‑party injury during loading or deliveries. Even minor claims can cause disruption when only one vehicle is involved.