If you mean commercial truck / lorry (HGV) insurance in the UK, here’s a short, practical guide to the best places to look and how to get the right cover at the best price.

Top insurers & markets to consider

• Large commercial insurers with strong truck/HGV/fleet products: Aviva, Allianz, NFU Mutual, QBE, RSA and HDI. These underwrite specialist fleet and HGV programmes and are commonly used for both single‑vehicle and multi‑vehicle policies. (connect.avivab2b.co.uk, allianz.co.uk, nfumutual.co.uk, smallbusinessprices.co.uk)

Best brokers & specialist truck insurers

• For trucks/HGVs you’ll often get better prices and properly tailored cover via specialist brokers (they place business with the right insurer). Good examples: Towergate, Avis Insurance, Staveley Head, QMT/Quote Me Today and FleetCompare. These specialists handle goods‑in‑transit, CMR/RHA wordings, ADR/hazardous goods and complex fleet requirements. (towergateinsurance.co.uk, avisinsurance.co.uk, staveleyhead.co.uk, qmtcommercial.co.uk, fleetcompare.co.uk)

Comparison sites (quick initial shopping)

• Use commercial comparison panels for an initial price check: MoneySuperMarket, SimplyQuote/Quotezone, Confused.com / partner brokers and Quotezone/Quotezone panels. These can show market ranges quickly but may not cover specialist heavy haulage or unusual risks — for those you’ll need a broker. (moneysupermarket.com, simplyquote.co.uk, confused.com)

What cover you’ll normally need

• Core choices: Comprehensive, Third‑Party Fire & Theft, or Third‑Party Only.
• Common add‑ons for trucks/HGVs: goods‑in‑transit (all‑risks or RHA/CMR wording), employer’s liability, public liability, cover for attached/detached trailers, legal expenses, and European/green card cover. For hazardous loads you’ll need ADR extensions and specialist underwriters. (confused.com, towergateinsurance.co.uk)

Typical cost (what to expect)

• HGV/truck fleet premiums vary widely, but market guides show typical ranges of roughly £1,400–£3,000 (or more) per HGV per year depending on vehicle size, driver profile, use, and cover level. Small fleets or single owner‑drivers may pay less or more depending on risk factors. Always get multiple quotes. (simplyquote.co.uk)

How to get a cheaper premium (what actually helps)

• Use a specialist broker (they can access more underwriters). (staveleyhead.co.uk)
• Fit telematics / driver‑monitoring and run driver training programmes — insurers reward measurable risk reduction. (smallbusinessprices.co.uk, allianz.co.uk)
• Combine vehicles under a fleet policy where sensible (one renewal date, volume discounts). (avisinsurance.co.uk)
• Improve security (secure parking/garaging), install dashcams, maintain clean driver records and avoid regular use of very young/inexperienced drivers. (confused.com)
• Consider a higher voluntary excess, and negotiate terms for non‑standard exposures (e.g., overseas work, hazardous goods) with a broker. (towergateinsurance.co.uk)

Practical next steps (what to do now)

1. Decide whether you need single‑vehicle, minifleet (2–12), small fleet (e.g., 3–14) or large fleet cover — different insurers/brokers specialise at different fleet sizes. (connect.avivab2b.co.uk, allianz.co.uk)
2. Get at least 3 quotes: one from a specialist HGV broker (Towergate, Avis, Staveley Head or QMT), one from a comparison panel (MoneySuperMarket/SimplyQuote/Confused), and one direct via a major fleet insurer if you manage a larger fleet (Aviva/Allianz). (towergateinsurance.co.uk, moneysupermarket.com, allianz.co.uk)
3. When you compare, check the exact wording for goods‑in‑transit, trailer cover, RHA/CMR wording, and any territorial limits (Europe/UK) — cheap quotes can hide inadequate wordings. (confused.com, towergateinsurance.co.uk)

If you’d prefer a one‑line takeaway: for specialist HGV/truck risks use a specialist broker (Towergate/Avis/Staveley Head/QMT); for small mixed fleets start with comparison panels to narrow pricing; for larger fleets approach major fleet underwriters (Aviva/Allianz) and implement telematics + driver training to lower long‑term cost. (towergateinsurance.co.uk, avisinsurance.co.uk, connect.avivab2b.co.uk, allianz.co.uk)

If you want, I can:

• list contact/quote pages for 3–4 of the brokers/insurers above, or
• give a checklist of the exact information you’ll need to get quotes (vehicle details, driver CPC, operator’s licence, mileage, overnight parking, claims history).