Protect a heavy goods vehicle or utility vehicle for a one-off mission
For a heavy goods vehicle or utility vehicle on a one-off mission, temporary insurance covers liability, 0 km assistance and, optionally, goods and theft, without an annual commitment.
When a company needs to use a heavy goods vehicle or utility vehicle for a one-off mission (exceptional delivery, construction site, material transport), it is essential to check that the vehicle is properly insured. Temporary insurance offers a flexible and compliant solution, covering civil liability , assistance and specific options (goods transported, theft, etc.). In this guide, KT Tempo details the prices , key guarantees and steps to effectively protect your professional vehicle for a short period.
Why choose temporary insurance for a heavy goods vehicle or utility vehicle?
Typical use cases
- Exceptional delivery : transport of furniture, construction equipment
- Seasonal provision : one-off reinforcement for the activity
- Vehicle test or loan : breakdown assistance or commercial demonstration
- Isolated construction site : vehicle dedicated to a temporary site
In these situations, an annual contract may be too expensive or unsuitable. Term insurance covers precisely the duration of use .
Indicative prices and subscription terms
Prices according to duration and type of vehicle
| Duration | Heavy goods vehicle (€/day) | Utility (€/day) | Noticed |
|---|---|---|---|
| 1–7 days | 80 – 100 € | 50 – 70 € | Calculated pro rata |
| 8–30 days | 60 – 80 € | 40 – 55 € | Decreasing price |
| 31–90 days | 50 – 65 € | 30 – 45 € | Best €/day ratio |
Rates vary depending on power , tonnage , and driver profile .
Subscription procedures
- Online form : enter vehicle type, registration, duration.
- Choice of guarantees : liability, assistance, goods, theft, etc.
- Payment : bank card, one-time payment for the duration.
- Immediate certification : available by email in green card format.
Essential guarantees for a one-off mission
Civil Liability (CL)
Legal coverage for all bodily injury and material damage caused to third parties during the mission. Generally unlimited ceiling or ≥ €1 million.
0 km assistance
Support for breakdown assistance and towing, even if the vehicle is in the middle of a mission (isolated site, unserved area).
Career options
Goods transported
Compensates for breakage , theft or deterioration of transported goods, essential for construction equipment or sensitive deliveries.
Vehicle theft
Protection against theft or burglary, essential on construction sites or high-risk areas.
Broken glass and equipment
Covers the replacement of windows, mirrors and specific accessories (roof bars, tailgates, etc.).
Best practices to optimize your coverage
Define the period precisely
Choose exact dates to avoid missing any days. Online extensions guarantee maximum flexibility.
Check the deductibles
Some guarantees (goods, theft) may include a deductible: compare and opt for plans without a deductible if your budget allows.
Keep your supporting documents
Invoices, delivery notes, proof of mission: essential for putting together your claim file and speeding up compensation.
Conclusion
Temporary insurance for heavy goods vehicles or utility vehicles is the most flexible and economical solution to cover your one-off assignments. With KT Tempo , you benefit from:
- Competitive rates adapted to duration and vehicle
- 100% online subscription and immediate certification
- Business guarantees (goods, theft) for optimal protection
👉 Ready for your next mission?
Subscribe to your temporary HGV/utility vehicle insurance in just a few clicks on kttempo.com and leave with peace of mind!