Truck Insurance HQ is an industry specialist when it comes to truck fleet insurance. Unlike most insurance companies who only offer fleet insurance policies for 10-15+ vehicles, we can ensure your fleets from 5+ and cover you every step of the way as you grow and change. We also offer customer fleet insurance, so whether you have two trucks and three vans, or four plants/machinery equipment items and one truck – we can tailor your fleet insurance policy to suit your needs.
We have access to over 170 insurers, and in general, we save our customers 25-40% when insuring their fleet under one policy rather than multiple. So call us today on 1300 815 344 or request a quote online and find out how much you can save today.
Understanding Fleet Insurance
Regardless of the size of a business, fleet insurance is designed to cover multiple vehicles under one policy. It may be 5 or more trucks, vans, mini-buses, plant & machinery or a combination of all of these plus more (custom fleet). Fleet insurance provides dynamic coverage that can help keep a business safe from eventual downfall should accidents and other risks take a bad turn. Generally, this insurance system features three levels of coverage:
Comprehensive fleet insurance: provides cover for any damage caused by you or the other party (fault or non-fault) as well as cover from natural or man-made calamities like fire and theft.
Third-Party, Fire and Theft insurance provides cover to damages on third-party vehicles while covering your own from theft or fire damage.
Third-Party Only insurance provides cover for claims made by a third party against you.
Customized Small Truck Fleet Insurance: provides coverage according to needs (request a quote).
These covers may have distinctive differences but overall, it prevents financial losses befalling a fleet owner when drastic circumstances arise from theft, injuries, damages, and other liabilities incurred by insured vehicles and drivers.
Can You Forego Fleet Insurance?
Aside from being a standard requirement in running a transport business in Australia, thinking big will tell you to get hold of a reliable fleet insurance policy. Regardless of the type or size of the vehicles, you operate, a small or large fleet insurance policy can be considered an investment as it helps to ensure something for the business to fall back on should dire circumstances happen. Notwithstanding the idea that all your vehicles’ insurance needs is covered literally with a blanket policy.
The trucking or transport business is renowned as a high-risk venture. The moment your truck goes out to the streets to deliver or go about its task, its risk counter also goes on hyperdrive each time the driver steps on the accelerator. Having a cushion to catch your business each time it falls will give you peace of mind and more chances for the business to thrive and grow in the industry it serves.
Just like in various martial arts and related disciplines, fighters of small stature can very well take down larger assailants through strategic thinking. That is precisely what running a small fleet with a big-fleet-attitude is all about and your small truck fleet insurance has a huge hand on it. By keeping each of your prized investments safe and secured as you build reputability in the market, your small fleet will eventually earn its place in the glory seats of the kings and queens in the transport business arena.