📖 HGV Driver Guide
The HGV Driver’s Guide to Income Protection
Your licence is your livelihood. Lose the medical and the income can stop overnight — unless the cover is set up for it.
Get a Free Quote →For drivers, the risk that catches people out is not a crash — it is the medical. A heart issue, eyesight, sleep apnoea or diabetes can cost you the entitlement to drive, even when you feel perfectly able. That is a very specific risk, and the cover has to match it.
This is why ‘own occupation’ matters so much for drivers: it pays because you can no longer do your job, not because you are unfit for any job at all.
Quick Answers
HGV Driver Cover — Quick Questions
What happens if I lose my HGV medical?
With own-occupation income protection you can claim, because you can no longer drive professionally — even if you are otherwise well enough to do something else.
Do long shifts or nights push up the price?
Not meaningfully with a sensible insurer. We avoid the ones that treat professional drivers as a higher risk than the evidence supports.
Can owner-drivers insure their real income?
Yes — employed or self-employed, we build the benefit around your actual earnings.
Is life cover worth bundling in?
For drivers with a mortgage or family, usually yes. We arrange it alongside the income protection so it is one decision, not two.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. Life Insurance For Me is a trading style of More Than Money Ltd, authorised and regulated by the Financial Conduct Authority (FRN 1047044). See our regulatory information.
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Reviewed by the LifeInsuranceForMe advice team · Last updated · FCA authorised, FRN 1047044