For UK haulage operators
Clarity on cost versus cover across a panel — not a blind price race. You’re on the road, so we don’t ask you to dig out a PDF.
Sign a short letter of authority — we pull the schedule from your insurer. You keep driving.
Flat 10% broker fee · Mesh’d Limited t/a Meshed Cover · FCA FRN 1033248
Also quote: Tipper · Fridge · O-licence variation
Who this page is for
UK limited companies, partnerships, and sole traders that move other people’s goods for reward, including:
• Hire-and-reward operators with an operator’s licence (sole trader or Ltd)
• SME HGV / goods fleets that already have motor elsewhere and need GIT + liability next to it
• Operators mid certificate chase (customer, forwarder, or freight-exchange upload)
• Fleets approaching renewal who want the commercial pack marked up before they bind again
If you only want a cheap HGV or truck quote, use a motor specialist. If you are an IT or trades contractor, that is a different Meshed page. This page is haulage operators.
What we place (honest)
The haulage stack is a bundle, not one policy. Typical pieces:
Goods in transit (GIT) — We place
Cover for the load while it is being moved — hire-and-reward vs own-goods must match how you actually haul. From our insurer panel.
Public liability (PL) — We place
Third-party injury / property damage from the operation — yard, loading bay, premises.
Employers’ liability (EL) — We place where it applies
Legal duty once you employ staff (minimum £5m from an authorised insurer in GB).
Hire-and-reward motor / HGV — Motor specialist
Not an HGV comparison product. Place with a motor specialist; we use your motor schedule as context when we check the commercial stack.
We work from a panel of insurers. We do not invent from-£X-a-month prices. We do not claim a named telematics product. We are not a partner or preferred broker for any freight exchange.
How a schedule check works
Three steps. No brochure deck.
1
Sign a short letter of authority
A short letter lets us request your current schedule directly from your insurer. No PDF hunt while you’re on the road.
2
We pull the schedule from your insurer and shop the panel
We review the commercial cover and costs across the insurer panel, including the flat 10% broker fee.
3
We come back with options — you stay on the road
We explain the options and fee clearly. You choose whether to bind when the cover fits.
Straightforward SME risks are often quoted quickly. Storage, international / CMR, or incomplete motor schedules take longer — we say that up front.
Why operators use Meshed
Flat 10% broker fee — no hidden admin add-ons. You know the intermediary line.
Certificates that match the risk — we place the commercial covers customers and platforms actually ask for, then issue evidence that matches what is on risk.
Built for Ltds, partnerships, and sole traders — including sole traders on hire-and-reward with an O-licence.
Plain answers — hire-and-reward vs own-goods, schedule vs certificate, motor vs load. No jargon dump.
No blind price race — we explain cost, cover, and our flat 10% broker fee.
Read next
Use these when you want more detail. The key cover information is on this page; supporting articles are on the blog.
Haulage Insurance UK — full stack explainer
Haulage insurance certificates UK — what customers actually ask for as proof
Goods in transit checklist — freight exchange UK — join-floor prep
HGV driver shortage and insurance costs UK — industry pulse
Fleet operating costs and haulage insurance UK — where insurance sits in the cost stack
FAQ
Ready to sign a short letter of authority?
Send us a short letter of authority. We pull your schedule from your insurer, shop the panel, and come back with options while you stay on the road.