Commercial truck insurance is mandatory for CE category drivers operating across Europe. Whether you are an employee driver or an owner-operator, understanding insurance coverage helps protect your income, vehicle, and legal standing.
Why Truck Insurance Matters
Truck insurance protects against accidents, cargo damage, third‑party liability, and operational risks. Many European logistics companies require proof of valid insurance before assigning routes.
Common Types of CE Truck Insurance
Third‑Party Liability Insurance – legally required in all EU countries
Comprehensive Vehicle Insurance – covers damage, theft, and fire
Cargo Insurance – protects transported goods
Employer Liability Insurance – relevant for company drivers
Average Insurance Costs in Europe
Insurance premiums vary by country, driving experience, route type, and truck value. On average, CE truck insurance in Europe can range from €250–€600 per month depending on coverage.
How to Reduce Insurance Costs
Maintain a clean driving record
Choose EU‑approved insurers
Combine fleet or employer‑provided insurance when possible
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