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What is Truck Insurance?

Truck insurance, also known as commercial motor insurance, is a specialised policy designed to protect commercial vehicles from physical damage or loss, along with damage or injury to third parties and their property. Whether you’re a owner-driver or manage a fleet, having the right insurance coverage is crucial to safeguard your assets and finances. Enhance your safety with these important insurance policies:

Commercial Truck Insurance

Comprehensive Truck Insurance

  • Cover for loss or damage to Your Insured Property arising out of an Accident or theft.
  • Cover for Your legal liability for loss or damage to Another Person’s property, and in some circumstances, bodily injury to Another Person

Third Party Insurance

  • Cover for your legal liability for loss or damage to another person’s property.
  • In some circumstances, it probably covers personal injury to another person.

Other Options

Public Liability Insurance

  • Cover Third Party’s personal injury and property damage resulting from Your business activities.
  • Cover legal defense costs, compensation payouts, medical expenses for injured parties, and repair or replacement costs for damaged property.

Carriers Insurance

  • Cover the cargoes you carry in transit from loss or damage.
  • Protect your finance against cargo loss or damage, legal liability and ensure business continuity.

Personal Accident & Sickness Insurance

  • Cover medical expenses, lost income and benefits for disability or death resulting from accident or illnesses.
  • Provide financial support for medical costs, lost income and disability benefits.

Downtime Insurance

  • Cover lost income and operational expenses during periods when vehicles are of service due to accidents, breakdowns or other covered events.
  • Ensure financial stability by compensating for lost income during vehicle repairs or downtime.

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Types of Trucks We Insure

We provide insurance solutions for Utes/Vans, Rigid Trucks & Prime Movers used in a range of configurations including but not limited to:

Why Truck Insurance is Important:

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Financial Security

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Peace of Mind

Long-Term Success

Legal Compliance

Looking for something else?

Bus Insurance

Covering for mini buses through to coaches with a wide range of general and specialist bus insurers. Learn more

Trailer/ Trailer in Control Insurance

Protecting both owned and non-owned trailers from accidents, ensuring peace of mind for every journey. Learn more

Crane Insurance

Comprehensive mobile & tower crane insurance, covering your equipment, lifted items, and liabilities for peace of mind. Learn more

Earthmoving Machinery Insurance

Earthmoving Machinery insurance protects against damage, theft, and liability, ensuring smooth and secure operations. Learn more

Get your tailored truck insurance quote now!

Frequently Asked Questions

What is Truck Insurance and Why Do I Need it?

Truck insurance is very similar to car insurance in that it involves two components: Own Damage Coverage and Third Party Coverage.

  • Own Damage Coverage covers damage to your vehicle caused by unexpected events such as fire, theft, collision, or weather-related incidents.
  • Third-Party Coverage covers injury or damage to other people’s vehicles and property caused by the use and operation of your vehicle.

Truck insurance is essential for anyone that owns a vehicle, in order to be protected from the financial impact of an accident or insured event. The consequences of an accident can cost hundreds through to millions of dollars including the repair and replacement of your vehicle and that of others, road closure and clean up costs and injuries or death sustained by third parties.

It is important to note that there are various types of truck insurance available. Truck Insurance HQ can review your needs and make recommendations on the most suitable coverage options available.

At Truck Insurance HQ we do the legwork for you, finding the most comprehensive and cost-effective insurance product available from what otherwise can be an overwhelming range of insures and products.

We will provide you with the insurers schedule, policy wording and both upfront and monthly payment options.

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.

In Australia, the types of commercial trucks that are commonly insured include:

  • Rigid Trucks: Used for deliveries and services. Can be a tray, Pantech, curtainsider or have a specility attachment such as a Hiab or EWP.
  • Pantechs: Enclosed trucks for secure transportation of goods.
  • Prime Movers: The largest trucks in Australia able to run in various configurations from a single trailer through to road train.
  • Prime Movers with Semi-Trailers: Large trucks for long-distance haulage, consisting of a tractor unit and one or more trailers.
  • Tilt Tray Trucks: Commonly used for towing services in Australia.
  • Tip Trucks: Used for the transport of bulk materials and goods such as soil, grains and waste material. Can be traditional rear tipping, side or walking floor and either a rigid or articulated vehicle.
  • Garbage Trucks: Specialised vehicles for waste collection and disposal services. Can include hook lift and skip bin configurations.
  • Tray Trucks: Known as flatbed trucks elsewhere, suitable for transporting oversized loads.
  • Mobile Food Vans: Vehicles selling food items, including ice cream, referred to as ice cream trucks in other countries.
  • Road Trains: The largest trucks on Australian roads, often consisting of multiple trailers.

The specific insurance coverage and requirements for each type of commercial truck can vary, and business owners or truck operators in Australia should work with insurance providers to tailor their policies to their individual needs. It’s essential to consult with local insurance companies or insurance brokers and understand the specific regulations and requirements that apply in Australia for commercial truck insurance.