Truck Insurance Australia for Transport Businesses

Compare truck insurance options for owner-drivers, fleet operators and transport businesses across Australia. Tell us what you operate, how it is used and what you carry, and a specialist broker can help you review the cover options that may suit the business.

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Truck, Fleet, Trailer and Machinery Insurance

From a single truck to a growing fleet, the insurance needs can change with the vehicles, drivers, freight, routes and work performed.

Bus Insurance

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Truck Insurance

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Machinery Insurance

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Why Use a Specialist Truck Insurance Broker?

Truck and transport risks are rarely identical from one business to another. A broker can help organise the information insurers need, compare available options and explain how different policies relate to the way your business operates.

TRUCK & TRANSPORT FOCUS

We work with owner-drivers, fleets and transport businesses and can help gather the information insurers may need to assess the operation.

COVER COMPARISON

A broker can review available options based on vehicle type, use, operating radius, drivers, freight and your insurance history.

CLEAR GUIDANCE

We can help explain limits, excesses, exclusions and important policy conditions before you decide how to proceed.

SUPPORT AFTER PLACEMENT

Existing clients can contact the team for policy changes, certificates and claims assistance throughout the policy period.

Insurance Options for Transport Businesses

Truck insurance is only one part of the risk picture for many operators. Depending on the business, separate insurance may also be considered for cargo, non-owned trailers, public liability, downtime and other commercial risks.

Commercial Motor Insurance

May cover eligible accidental loss or damage involving insured commercial vehicles, subject to the selected cover and policy terms.

Mobile Plant & Machinery Insurance

May provide cover for eligible plant and machinery risks depending on how the equipment is owned, used and insured.

Public & Products Liability

May respond to eligible third-party injury or property damage claims connected with your business activities or products, subject to the policy.

Goods in Transit Insurance

May cover eligible goods or cargo being transported depending on the type of freight, contractual responsibilities and policy selected.

Downtime Insurance

May provide selected benefits where an insured vehicle is unavailable following an eligible insured event, subject to the policy terms.

Personal Accident & Sickness Insurance

May provide selected benefits following eligible injury or illness, depending on the policy, waiting periods and selected cover.

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Truck Insurance Guides and Resources

Read practical guides about truck insurance, quote information, cost factors and common transport risks.

Commercial truck fleet at an Australian transport depot

Hiring Subcontractor Truck Drivers? 7 Insurance Checks for Australian Operators

21/10/2026

Truck driver preparing information for a truck insurance quote

What Information Do You Need for a Truck Insurance Quote?

14/09/2026

Startup Costs for a Trucking Business in Australia: A Beginner-Friendly Guide

26/12/2025

Mobile crane and heavy haulage truck with banner text ‘Mobile Crane and Heavy Haulage Fleet Insurance’ and call-to-action for Truck Insurance HQ in Australia.

Mobile Crane and Heavy Haulage Insurance

19/11/2025

Courier Fleet Insurance Australia

16/09/2025

Freight truck on Australian highway – freight truck insurance coverage

Freight Truck Insurance Australia

28/08/2025

Fleet Insurance VIC: Operator Guide

08/08/2025

Heavy machinery transport trucks driving along a regional QLD highway under clear skies

How to Insure an Equipment Transport Fleet

29/07/2025

Customer Reviews

      EXCELLENT  
   Based on 30 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Marc Dom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Hi everybody, hope you doing well, today I want to express my thank you to Caitlyn Mitchell for all her outstanding job during my new insurance for my last truck purchase, so to conclude if you looking for a company who really give you results you definitely need to talk to Cait and she will put you in the right way.
  
 
      Posted on Google  
   
   Zac Sijacic 
 
 
 
 Trustindex verifies that the original source of the review is Google. These guys are really true professionals in the insurance field. Don't bother wasting your time with other brokers. Highly recommended. Thanks Adam and Samantha for  your expertise and many years of excellent service.
  
 
      Posted on Google  
   
   A Hudson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam from Truck Insurance HQ was the best. Friendly, knowledgeable and followed up with everything he said he would do. I had spoken to other brokers before ringing these buys and their service and experience could not be compared to Truck Insurance HQ - with all honesty. Highly recommended.
  
 
      Posted on Google  
   
   Sheik Imtiaz 
 
 
 
 Trustindex verifies that the original source of the review is Google. wonderful people to deal with, always willing to work with you. have deal with Mary and Adam. experience within  their field is awesome. AAA+
  
 
      Posted on Google  
   
   quynh dao 
 
 
 
 Trustindex verifies that the original source of the review is Google. Mr. Adam and his team are the best i've dealt with. Giving lots of advice for my insurance and always available when I need help. Highly recommend !!!
  
 
      Posted on Google  
   
   Na Lee 
 
 
 
 Trustindex verifies that the original source of the review is Google. Insurance HQ is the best team ever! fast service and helpful people. They helped me find good insurance for my truck with super good price. They provide prompt support whenever I need it. Will recommend to my friends and relatives. Love you guys!
  
 
      Posted on Google  
   
   Mỹ Ngân Lục 
 
 
 
 Trustindex verifies that the original source of the review is Google. So glad to go with truck insurance hq, they are really helpful and patient to explain the coverage for me. Compare the prices among many insurance companies, find me one and save me hundreds of dollar
  
 
      Posted on Google  
   
   Mỹ Ngân Lục 
 
 
 
 Trustindex verifies that the original source of the review is Google. Their blogs are great since they educate me a lot about insurance coverage. The staff also helps me to find the most appropriate coverage from leading insurance companies in Australia. Definitely will come back
  
 
      Posted on Google  
   
   Mỹ Ngân Lục 
 
 
 
 Trustindex verifies that the original source of the review is Google. Informative content, their blogs help me out to understand more about truck insurance coverage. And they did find me one with the right coverage and save me $400
  
 
      Posted on Google  
   
   Ross Johnstone 
 
 
 
 Trustindex verifies that the original source of the review is Google. Adam and the team are fantastic to deal with and are very competitive.
Good work guys
Regards
Ross

Truck Insurance FAQs

What does truck insurance cover?

Truck insurance generally refers to commercial motor cover for an insured truck. Depending on the policy selected, it may respond to insured vehicle damage and eligible third-party property liability. Cargo, Public Liability, Downtime and other business risks may require separate cover. Read more about commercial truck insurance cover options.

What affects the cost of truck insurance?

Pricing can be influenced by the truck type and value, operating radius, freight carried, drivers, vehicle use, claims history, selected limits and excesses, and the insurer’s underwriting requirements.

What information do I need for a truck insurance quote?

Useful information can include the truck or fleet details, business use, operating radius, freight, drivers, claims history and current insurance. More information may be needed depending on the insurer and cover requested. See our guide to the information needed for a truck insurance quote.

What is Commercial Motor Insurance?

Commercial Motor Insurance may provide cover for eligible loss or damage involving insured business vehicles, depending on whether Comprehensive, Third Party or another available level of cover is selected.

Do I need separate insurance for the goods I carry?

Often, yes. Goods in Transit or carrier-related cover addresses cargo exposures that are different from damage to the truck itself. The right arrangement depends on whose goods are carried, the commodity and the transport contract.

Can downtime insurance help while a truck is being repaired?

Depending on the policy, Downtime Insurance may provide selected benefits where an insured vehicle cannot operate following an eligible insured event. Waiting periods, benefit limits and other conditions can apply.

Ready to discuss insurance for your truck or transport business?

Tell us what you operate and how it is used. A broker can review your enquiry and let you know if more information is needed. A quote request does not confirm cover.

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