Frequently Asked Questions

Help & Advice

Got Questions? We've Got Answers.

Running a haulage or fleet operation comes with enough challenges — your insurance shouldn't be one of them. Whether you're an owner-driver looking to insure your first truck or managing a large commercial fleet, we understand you need clear, straightforward answers.

Below you'll find responses to the questions we're asked most often about truck and fleet insurance. If you don't see what you're looking for, our specialist team is just a phone call away and ready to help.

What vehicles can you insure?

We provide cover for a wide range of commercial vehicles up to 44 tonnes, including:

HGVs and articulated lorries
Rigid trucks
Curtain-siders
Box vans
Tippers
Specialist and heavy haulage vehicles

If you operate a unique or modified vehicle, our team can arrange bespoke cover.

Do you offer single vehicle and fleet insurance?

Yes. We arrange both:

Single vehicle policies for owner-drivers and small operators
Multi-vehicle and fleet policies for businesses running multiple trucks

Fleet insurance allows multiple vehicles to be covered under one policy, simplifying administration and often reducing overall costs.

What levels of cover are available?

We can arrange:

Third Party, Fire & Theft – Includes fire and theft protection
Comprehensive – The highest level of cover, including damage to your own vehicle

Our advisors will help you choose the most suitable option for your business.

Can you cover new drivers and multiple drivers?

Yes. We can include:

Named drivers
Additional drivers
Younger or newly qualified drivers (subject to insurer criteria)

We’ll assess your driver profile to secure the best available terms.

What optional extras are available?

Depending on your requirements, your policy can include:

Goods in transit insurance
Legal expenses cover
Trailer cover
Courtesy vehicle
Windscreen cover
Employer’s liability

These extensions can be added to strengthen your overall protection.

Is goods in transit insurance included?

Goods in transit cover is not usually included as standard but can be added to protect the cargo you carry against loss, theft, or damage. We can arrange this alongside your truck insurance.

Can you insure haulage, courier, and specialist operators?

Yes. We work with businesses across many sectors, including:

Logistics and distribution
Courier services
Construction and waste
Refrigerated transport
Specialist and abnormal loads

We tailor cover to your specific trade and usage.

How is my premium calculated?

Your premium is based on several factors, including:

Driver experience and history
Annual mileage
Operating area
Claims record
Business activity

Our role is to present your risk accurately to insurers to secure competitive terms.

Can you help if I’ve had previous claims or convictions?

Yes. We specialise in placing cover for a wide range of risk profiles, including businesses with previous claims or driver convictions. We’ll work with insurers to find suitable solutions wherever possible.

How do I get a quote?

Getting a quote is simple. You can:

Call our team
Complete our online enquiry form
Request a callback

We’ll review your needs and provide a tailored quotation with clear advice.

Will I have ongoing support after taking out a policy?

Absolutely. At ClearRoute, we provide full ongoing support, including:

Vehicle additions/removals
Renewal reviews
Claims assistance

We remain your point of contact throughout the policy term.

Why choose ClearRoute for truck insurance?

Clients choose ClearRoute because we offer:

Specialist commercial motor expertise
Access to leading UK insurers
Tailored, competitive solutions
Personal, responsive service
Long-term partnership approach

We focus on protecting your business — not just selling a policy.

What Our Customers Are Saying...

“Ella has been an outstanding partner to our business for many years. Her professionalism, industry knowledge, and personal approach make her a pleasure to work with. She always takes the time to understand our needs and consistently delivers reliable, cost-effective cover.”

“Liam has been instrumental in supporting our growth over the years. He understands our industry, keeps us informed, and ensures our policies evolve as our business changes. His honest advice and dependable service make him a trusted long-term partner.”

“We have been long-standing clients of Ella and wouldn’t consider using anyone else. She offers a highly professional service while maintaining a friendly, personal relationship with her clients.”

Get a Free Quote

We're committed to empowering your business with specialist insurance advice, insightful risk consulting, and personalised support.

For a free quote, simply fill out the form and a member of our team will get back to you as soon as possible.

ClearRoute Insurance Services Ltd is an Appointed Representative of Gauntlet Risk Management Ltd who are authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 308081.