The level of cover you choose for your HGV fleet insurance policy will depend on a number of factors, including the size and value of your fleet, the nature of your business operation, and your budget. The three standard levels of cover for all types of vehicle insurance are: * Third party only – this is the minimum level of cover required by law, and will protect you against damage or injury caused to another person or vehicle. It does not cover any damage to your own vehicles. * Third party, fire and theft – as well as the cover provided by third party only policies, this level of cover also protects your vehicles against fire damage or theft. * Comprehensive – this is the highest level of cover available, and will protect your vehicles against a wide range of risks, including fire, theft, vandalism and accidental damage.