HDVI Review 2026

Coverage Options

HDVI provides comprehensive trucking coverage with their technology-driven approach:

Primary Liability Insurance: Available from FMCSA minimums up to $1 million or higher.[^6] Your liability premium adjusts monthly based on recorded driving behavior.

Physical Damage Coverage: Standard comprehensive and collision coverage with agreed value options. Telematics data can help expedite claims by providing driving context.

Motor Truck Cargo Insurance: Cargo protection with standard limits and refrigeration breakdown endorsements available.

Additional Coverages: Non-trucking liability, general liability, and standard trucking endorsements complete their package.

How Telematics Pricing Works

HDVI's model centers on continuous assessment:

1. Base Premium: You receive an initial quote based on standard underwriting factors
2. Device Connection: Connect your ELD or install their telematics device
3. Data Collection: HDVI monitors hard braking, speeding, hours compliance, and other metrics
4. Monthly Adjustment: Your next month's premium reflects your actual performance
5. Cumulative Effect: Consistent safe driving builds toward the maximum 20% discount[^1]

The system is transparent: you can see what behaviors affect your rate and adjust accordingly.

Claims Process

Telematics data enhances HDVI's claims handling:

• ELD and telematics data provide context for incidents
• Claims adjusters can review driving behavior before and during events
• Legitimate claims with supporting data often process faster
• The same data that earns discounts also documents what happened

This transparency works both ways: good drivers benefit from evidence supporting their claims, while poor driving decisions are also documented.

Customer Service

As a technology-focused insurer, HDVI emphasizes digital interaction:

• Online portal for policy management and telematics data review
• Mobile app for tracking your driving score
• Phone support for complex questions
• Email and chat options for routine matters

Their customer service team understands trucking, though they are primarily a technology company rather than a traditional insurance agency.

Final Verdict

HDVI appeals to operators who believe their safety record should directly impact their insurance costs. HDVI's policies are backed by Munich Re Specialty Insurance (A+ rated by AM Best) and Spinnaker Insurance Company (A- rated by AM Best).[^3] If you invest in driver training, run modern equipment, and maintain high safety standards, their monthly reward system provides tangible benefits that traditional insurers cannot match.

The trade-off is transparency in both directions and the variable budgeting that comes with monthly premium adjustments. For operators seeking stability and privacy, traditional insurers remain an option.

Rating: 4.1/5 - A strong choice for safety-focused operators who want their premium to reflect their actual driving performance.