TRUCK INSURANCE

The majority of quotes will be returned within 1 business day, however if your quote is more complex or you have an adverse history it can take up to 5 business days.

If you currently have insurance in place and wish to remarket it, we recommend waiting until 30 days prior to your next renewal date, as most insurers won’t quote more than 30 days in advance.

We also recommend getting an up-to-date copy of your claims history for the previous 5 years.

We are typically able to cover all brands of vehicles including car license vans, utes and light trucks. Some examples of light trucks that may be covered under small truck insurance include:

• Isuzu Trucks
• Hino Trucks
• Mitsubishi Trucks
• 2 Tonne Trucks
• 5 Tonne Trucks
• Mini Trucks
• Mini Vans
• Pick Up Trucks
• Work Utes
• Small Refrigerated Trucks

These could be used by tradespeople, retailers/wholesalers or transport operators and in almost any body configuration.

Contact us and we’ll be happy to help determine if coverage is available for your vehicle.

When it comes to truck insurance, your driver is typically covered under the policy if the driver is listed and meets the policy requirements (e.g., age, driving experience). If you have third-party insurance or a comprehensive policy, it may include liability coverage for driver-related incidents. Some policies also provide personal accident or driver injury coverage. Be sure to check the specifics of your policy to understand the exact level of protection for your driver.

Yes, many truck insurance policies offer tools and equipment coverage as part of the accessories section, but it’s often an add-on. You can insure valuable tools like hand tools, power equipment, and even machinery carried inside the truck. Make sure to specify the tools you want covered and their value to avoid any issues in case of loss or damage.

Truck insurance works by protecting your vehicle against a variety of risks, such as damage from accidents, theft, vandalism, or natural disasters. Specialist truck insurance companies focus on the unique needs of truck owners and operators, ensuring coverage for both the vehicle and the business. They understand industry-specific risks, including transportation of goods and liability issues, offering tailored solutions that general insurers may not cover.

Key features to look for when choosing truck insurance include:

• Comprehensive coverage for both the vehicle and any cargo.
• Third-party liability protection in case of damage to other vehicles or property.
• Goods in transit insurance if you’re transporting products.
• Public & Products Liability coverage for potential claims arising from the products or services you provide.
• Breakdown assistance and roadside support for emergencies.
• Driver cover, which includes personal injury or accidents.

• The type and value of the truck
• The use (e.g., whether it’s for commercial use or personal use)
• Your driving history and claims record
• The level of coverage you choose (e.g., comprehensive vs third-party)
• The size and weight of the truck
• The location where the truck operates
• On average, insurance premiums can range from hundreds to thousands of dollars annually.

• Light trucks and vans
• Heavy trucks and semis
• Utility trucks and commercial vehicles
• Refrigerated trucks (for transporting perishable goods)
• Tow trucks and other specialised vehicles

Public & Products Liability insurance protects your business if someone is injured or their property is damaged due to your products or services. For example, if goods you’re transporting are damaged in an accident and cause harm to someone else, this insurance would cover legal costs and any compensation claims that may arise from the incident.

Goods in Transit insurance covers the cargo you’re transporting, protecting it against risks like theft, loss, or damage while on the road. If you’re hauling goods for business purposes, it’s highly recommended. Even if you’re not regularly carrying cargo, Goods in Transit insurance can be vital for protecting any goods that may occasionally be in your truck.

Work Tools Cover is an add-on insurance that protects tools and equipment carried in your truck. This could include anything from hand tools to power machinery used on the job. It’s particularly important for tradespeople and contractors who rely on their tools for daily work. Coverage typically includes loss, theft, or damage while the tools are in the truck.