The Road Is Unpredictable.
Your Cover Shouldn’t Be
HCV Risk Consultants is a specialist insurance brokerage dedicated to
heavy commercial vehicles, plant machinery, and transport fleets. We don’t just sell policies; we understand the road your business travels every day.
We Speak Your Language
Most insurance brokers treat trucks and plant machinery
like just another line item on a schedule. We don’t.
Most insurance brokers treat trucks and plant machinery like just another line item on a schedule.
We don’t.
HCV Risk Consultants was built specifically for businesses that operate heavy commercial vehicles (HCVs), run transport fleets, and rely on plant machinery to keep projects moving. We understand the exposure that comes with working on public roads, construction sites, depots, quarries, farms, and high-risk operating environments.
Whether you run a single-owner driver vehicle, manage a long-haul fleet, operate buses, or work with yellow metal on site, you need more than generic commercial cover. You need a broker who understands HCV risk, knows how policies are structured, and can place cover that matches how your business actually works.
Your Fleet. Fully Covered.
Everything your fleet needs. Under one roof.
Heavy Commercial Vehicles
Comprehensive cover for HCVs, trailers, buses, and special types
Specialist insurance for trucks, trailers, buses, tippers, tankers, flat decks, horse and trailer combinations, and other heavy commercial units. Cover is structured around the real risks your vehicles face, including accident damage, theft, write-offs, recovery, and operational downtime exposure.
Plant and Machinery (PAR)
All-risks cover for construction and industrial equipment
Protection for plant, yellow metal, and machinery used in construction, industrial, agricultural, and mining environments. PAR cover is designed for equipment that works hard in tough conditions, with structures that reflect the realities of site risk, operator exposure, and machine value.
Goods in Transit
Protect your cargo from depot to delivery
GIT covers goods while in transit, during loading and unloading, and across the movement chain where applicable. This protects the cargo you carry against defined loss events and helps prevent a vehicle incident from becoming a client dispute or a major financial setback.
Liability Cover
Public, carriers, third-party, and pollution liability
Liability solutions for the legal exposure that comes with operating trucks, machinery, cargo, and fuel-related risks. This includes public liability, carriers' liability, third-party exposure, and pollution-related cover where needed, giving your business protection beyond the vehicle itself.
Value-Added Products
Excess reducers, telematics, driver assist, and more
Additional products that strengthen your overall risk structure. These may include excess reducer options, tracking-linked benefits, driver support, telematics-related solutions, and practical policy enhancements that improve how your cover performs when something goes wrong.
Built for businesses like yours
HCV Risk Consultants works with businesses across the transport, logistics, plant, construction, and industrial sectors.
Long-haul & short-haul transporters
Owner-driver operators
Fleet owners & managers
Sand, stone, & aggregate transporters
Construction & plant hire companies
Mining contractors
Courier and logistics companies
Agricultural transporters
Bus and coach operators
Fuel retailers and depot operators
We offer more than insurance; we provide practical risk advice built around your operation.
Good Cover Starts Long Before A Claim
We help clients look at the risk factors that shape policy performance and pricing, from tracking compliance and driver requirements to excess structures, vehicle use, load types, claims trends, and insurer fit. That means better decisions before placement, fewer surprises at the claims stage, and insurance that works the way it should.
Our role is not just to source a policy; it is to help you structure risk properly.
Not sure what cover you need?
Let one of our specialists assess your risk profile and recommend the right structure for your business at no cost.