Protect Your Equipment with Comprehensive Plant Machinery Insurance in Australia

If your business relies on construction equipment such as forklifts, bobcats, drilling rigs, or portable tools, having the right plant machinery insurance is essential. This insurance provides peace of mind by safeguarding your valuable assets against a range of risks including damage, theft, breakdown, and more.

At Truck Insurance HQ, we specialise in helping construction and plant operators across Australia secure tailored insurance solutions for all types of plant and equipment. Our team of experienced brokers can help you find the most cost-effective and comprehensive cover to suit your business needs.

What Does Plant and Equipment Insurance Cover?

A plant machinery insurance policy is designed to cover physical loss or damage to a wide range of construction and earthmoving equipment. Key benefits include:

• Coverage based on the current replacement value of the machinery

• Protection for partial or total loss or damage from unforeseen incidents

• Insurance coverage post-commissioning, once the machinery is operational

• Insurance while the equipment is at work, at rest, or being dismantled for maintenance

• Coverage for losses due to most causes, unless specifically excluded

Optional Add-On Covers

You can enhance your plant and equipment policy with a variety of add-ons, including:

• Express and airfreight costs

• Customs duties

• Third-party liability

• Terrorism protection

• Debris removal and site clearance

• Escalation of costs

• Damage during dismantling or shifting

• Owner’s surrounding property cover

• Earthmoving equipment protection

• Dry hire or wet hire extensions

What Isn’t Covered?

While plant machinery insurance is comprehensive, certain exclusions apply. These typically include:

• Mechanical or electrical breakdown (unless specifically covered)

• Pre-existing faults or damages

• Normal wear and tear or loss of replaceable parts (e.g. blades, drills, cutting edges)

• Explosions of pressure vessels or internal combustion engines

• Transit risks (unless covered separately)

• Manufacturer or supplier liability

• Damage due to war, nuclear risks, or acts of terrorism

• Losses from intentional damage or negligence

• Contractual liabilities not covered by the insurance policy

• Consequential losses of any kind

What Types of Equipment Are Covered?

Our plant machinery insurance policies cover a wide variety of equipment, including but not limited to:

• Forklifts and bobcats

• Drilling rigs and concreting equipment

• Dumpers and excavators

• Loaders and pavers

• Logging and mining machines

• Earthmoving and farming machinery

• Lifting and self-loading equipment

• Asphalting and road-building machinery

Types of Cover Available

Whether you’re operating a large construction site or running a smaller project, we offer flexible policy options, such as:

• Material damage cover

• Breakdown insurance

• Consequential loss cover

• Broadform liability

• Transit insurance

• Dry hire and wet hire cover

• Downhole cover

• Hired-in plant protection

Why Choose Truck Insurance HQ?

At Truck Insurance HQ, we work with over 170 insurers to deliver industry-leading plant machinery insurance tailored to your needs. Our experienced brokers understand the unique risks associated with construction and plant operations in Australia and are committed to securing the best protection at the best price.

📞 Call us today on 1300 815 344 or request a quote online to find the perfect plant machinery insurance solution for your business.