Insurance on your terms.

Got heavy trucks on the road? We've got them covered. Our HCV insurance is based on your vehicle's retail value and wraps in the essentials you'd expect — third-party liability, fire, explosion, windscreen damage, and wreckage removal.

Cover can be structured as Comprehensive or Fire, Theft & Malicious Damage, and can include operational extensions such as:

• Windscreen
• Third Party Excess Helper
• Theft & Hijack Excess Helper
• Group Personal Accident
• Communication All Risk
• Theft of Tyres, Rims & Accessories
• Increased Public Liability
• Roadside Assistance (Non-accident Towing)
• Legal Assistance
• Value Booster
• Spillage & Leakage costs
• Tools of Trade

Good fit for: owner-drivers, fleets, local and long-haul transport, construction logistics, tipper trucks, container carriers, and farmers with trucks and water tankers.

Your trailers are earning assets — protect them properly. Trailers are often the forgotten asset until something goes wrong. Own Trailer cover guards against accidental damage, fire, theft, and related losses, and can be tailored to the type of trailer and how or where it's used.

Premiums are based on your trailer's value, with fixed excess levels that scale fairly across value bands. Simple, predictable, and built for working fleets.

Why it matters: trailers are high-value, high-exposure assets and are frequently targeted for theft or damaged during loading/unloading and yard movements. Farmers with livestock, grain, or flatdeck trailers are equally well served.

Your cargo matters from the moment it's loaded to the moment it's delivered. GIT covers the goods you carry while they're being transported. You are insured for All Risks (broader protection) cover at a very competitive rate.

We cover real-world transport needs like:

• Tarps, nets, ropes and chains
• Debris removal costs
• Refrigerated loads
• Loads carried by sub-contractors
• Optional contingency cover where a sub-contractor's insurance fails to pay (subject to conditions)

Ideal for: general freight, construction materials, manufactured goods, agricultural produce, and any operator where the value per load can materially impact cashflow.

Big machines, big investment — they deserve proper cover. Designed for high-value plant and heavy equipment used on civil and construction sites (e.g., excavators, TLBs, loaders, graders). It covers sudden and unforeseen loss or damage, and can be paired with liability cover where required.

This is built for equipment that works hard in tough environments — where downtime and damage risk are part of the job.

Typical risks covered: accidental damage, fire, theft, and malicious damage (policy structure dependent), plus optional extensions based on how the plant is used and secured.

Add-ons include: Road Liability and Windscreen cover.

From compactors to generators to power tools — the smaller gear keeps jobs running. This is for smaller, high-theft, high-usage items that move frequently between sites — exactly the category that tends to go missing or get damaged in day-to-day operations.

Cover can be structured around the type of tools/equipment, where they're stored, and how they're transported and controlled.

Good fit for: tool hire businesses (important: an applicable SLA needs to be completed), contractors, and any operation with lots of portable equipment.

Using someone else's machinery? You're still liable. If you hire equipment in (with or without an operator), you're usually responsible for it under the hire agreement.

Hired-in Plant cover protects equipment you've rented or borrowed against accidental damage, theft, and loss while it's in your care. It can also address continuing hire charges after an insured event — subject to the policy's time excess and indemnity period.

It keeps you covered without awkward conversations — and keeps your hire agreements intact.