Haulage insurance

Specialist haulage insurance backed by decades of industry experience. Insurance solutions for haulage and transport businesses, delivered by Wright Insurance Brokers, a trading name of Howden.

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About haulage insurance

Haulage insurance helps protect the vehicles, loads and people that keep your business moving. If you run HGVs, articulated lorries, rigids, tippers, vans or a mixed fleet, you face daily risks that can have a big impact on your operations. A haulage insurance policy brings essential protections together under one programme so you can focus on delivering goods safely and on time.

As a broker, we act on your behalf. We take time to understand your routes, loads, drivers and business pressures. We then design and place a policy with insurers who specialise in haulage so your cover reflects the real risks you face.

Wright Insurance Brokers’ haulage expertise

Wright Insurance Brokers is a trading name of Howden and has over 35 years of experience supporting businesses operating in the haulage and transport sector. The team brings deep, practical knowledge of haulage risks, insurer appetite and claims challenges, built through long‑standing relationships across the industry.

By combining Wright Insurance Brokers’ specialist haulage expertise with Howden’s scale, market access and claims advocacy, we provide insurance solutions designed specifically for the realities of transport and logistics businesses in Ireland.

Why choose us

We provide specialist haulage insurance backed by deep sector knowledge and broad market access. You benefit from practical advice, tailored programme design and support from teams who understand the pressures of operating in transport and logistics. You can rely on us for:

  • Specialised knowledge

    We understand the risks involved with commercial trucks, from long distance driving to working on busy sites. We help you choose cover that fits your vehicle and your work.

  • Access to multiple insurers

    We compare options from insurers who specialise in truck and HGV cover so you can get protection that matches your needs.

  • Tailored guidance for different truck types

    Whether you operate a recovery truck, tipper, refrigerated unit or food truck, we help you understand your risks and choose suitable cover.

How haulage insurance differs from standard motor fleet insurance

Haulage insurance is designed for businesses that transport goods for hire or reward. This makes the risks more complex than standard fleet insurance.

Fleet insurance focuses on protecting vehicles and drivers. Haulage insurance covers the same areas but adds specialist protection for the loads you carry, your clients’ expectations and the wider risks of working in transport and logistics.

It considers factors like the type of goods transported, distances travelled, trailer usage, depot and storage risks, load handling, European cover and exposure to third‑party liabilities involving cargo.

In short, fleet insurance protects vehicles. Haulage insurance protects the vehicles, the goods, the journey and the business behind it.

What’s covered under a haulage policy

    • Vehicle cover

      Protection for HGVs, rigids, articulated lorries, vans or mixed fleets used in haulage.

    • Goods in transit cover

      Protection for goods you carry on behalf of clients, including accidental damage, theft and load‑related incidents.

    • Public liability

      Public liability cover for injury or property damage caused during loading, unloading or delivery activities.

    • Employers’ liability

      Protection if employees suffer injury or illness while carrying out haulage duties.

    • Trailer cover

      Cover for owned or hired trailers, including damage, loss or theft.

    • Depot and storage risks

      Protection for goods temporarily stored at your premises or depots.

    • Specialist risks

      Options for hazardous goods, bulk haulage, refrigerated loads, construction materials, waste transport and more.

    • Legal expenses

      Legal expenses cover for legal costs linked to insured events.

Who needs haulage insurance

Haulage insurance is suitable for businesses that transport goods for commercial clients. It is particularly relevant for:

  • Road haulage operators
  • HGV fleets
  • Owner‑drivers with multiple vehicles
  • Bulk, chilled, hazardous or specialist load carriers
  • Transport and logistics firms
  • Warehousing and distribution operations
  • Courier businesses transitioning into haulage
  • Construction, agriculture or waste‑related haulage

If your business transports goods for hire or reward, haulage insurance helps protect your vehicles, your loads and your reputation.

What haulage operators worry about most?

For haulage operators, risk is not theoretical. Vehicle downtime, load damage, uninsured driver incidents and theft can quickly disrupt schedules and client relationships. Tight delivery windows, rising repair costs and pressure to meet contract requirements mean that even a single incident can have wider operational and financial consequences. Our role is to help haulage businesses understand these pressures and put protection in place that supports continuity when something goes wrong.

What insurers look for when assessing haulage risk?

When assessing a haulage business, insurers focus on how the operation runs day to day. This includes the types of goods carried, vehicle mix and values, driver experience and training, and claims history. They also consider routes, mileage, trailer usage, security measures such as tracking or yard controls, and how risks are managed across the fleet. Clear, accurate information helps us present your business properly and secure cover that reflects how you actually operate.

Cargo containers at a dockyard

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.
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Haulage 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.

Get in touch with our team for a quote.

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We're always here to help

Whether you're exploring options or ready to apply our team can guide you every step of the way.

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