Truck Finance Guide

Tachograph Requirements - HGV Finance & Compliance Guide

All HGVs over 3.5t GVW operating under EU/UK drivers' hours rules must be fitted with a tachograph.

Written by David Doulton · Last updated November 2026

All HGVs over 3.5t GVW operating under EU/UK drivers' hours rules must be fitted with a tachograph. The tachograph records driving time, rest periods and speed, allowing enforcement agencies to check compliance with drivers' hours legislation. Smart tachographs (the current standard) transmit data remotely and have improved tamper detection. This guide covers tachograph requirements relevant to operators financing commercial trucks.

Tachograph Types

Analogue tachograph

Older technology using paper charts (tachograph discs). Now being phased out - most trucks manufactured from 1 May 2006 require a digital tachograph.

Digital tachograph (1st generation)

Downloads to digital card and PC. Required in new HGVs from 2006. Still in common use.

Smart tachograph (2nd generation)

Required in new trucks from 15 June 2019 (and upgrades required for certain older trucks). Includes GNSS positioning, remote early detection, and ITS interface. Gen 2 Smart Tachographs required from 21 August 2023.

Implications for HGV Finance

  • New trucks must be fitted with a compliant tachograph as standard - this is not an optional extra
  • Used trucks may have older tachograph technology - upgrade requirements depend on the vehicle age and when it was last registered in a new country
  • Tachograph calibration is required every 2 years - ongoing compliance cost
  • Tachograph cards (driver and company cards) are required - ongoing administration

When financing a truck, Doulton Bridging Finance can help you identify whether the vehicle requires a tachograph upgrade. Tachograph upgrade costs can sometimes be incorporated into the finance package - contact us for details.

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FAQs

Frequently asked questions

Do all trucks over 3.5t need a tachograph?

Trucks over 3.5t GVW operating under EU/UK drivers' hours rules must have a tachograph. Some exemptions apply - vehicles used exclusively on certain operations, or within a limited radius - but most commercial haulage operations are within scope.

What is a smart tachograph and when is it required?

A smart tachograph (Gen 2) uses GNSS positioning and remote communication technology. It has been required in new HGVs since June 2019. Gen 2 (with updated features) is required for new HGVs since August 2023.

How much does a tachograph cost?

New smart tachograph installation costs approximately £800–£1,500 depending on the vehicle and workshop. Calibration every 2 years costs approximately £100–£150.

Can tachograph costs be financed?

Tachograph upgrade costs can sometimes be included in a truck finance package. Contact us to discuss your specific situation.

Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Rates correct November 2026.

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0204 6211776

What happens next

  1. Fill in the form. It takes about 2 minutes.
  2. We'll email you back with any additional questions, then match you with the right specialist for your situation.
  3. A specialist independent broker will contact you to discuss your situation and present options.