Truck Insurance Made Easy
Protect Your Trucks, Business, and Livelihood with the Right Cover
Call Us: 1300 900 207
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Why Truck Insurance Matters
If you rely on trucks to run your business, you already know how valuable they are. Whether you own a single truck or an entire fleet, keeping them protected is just as important as keeping them on the road. Accidents, theft, and damage can happen at any time, and without the right cover, these setbacks can cost your business thousands.
Why You Need Insurance
Truck insurance is designed to help cover the costs of unexpected incidents, ensuring your business keeps moving forward. From minor repairs to major liability claims, having the right protection can be the difference between a quick recovery and a financial disaster.
Who Should Consider Truck Insurance?
Truck insurance is essential for anyone using trucks for business across Australia. Whether you’re an owner-driver hauling freight or a transport operator with a fleet:
- Owner-driving or subcontracting
- Transport, freight, or logistics
- Refrigerated or food transport
- Farming & Agricultural Businesses
If your truck or fleet is part of how you earn a living, truck insurance isn’t optional; it’s essential.
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Public Liability Insurance
Public liability insurance is designed to cover legal and compensation costs if your truck or work causes injury to someone or damages their property.
Comprehensive Truck Insurance
This is the most complete level of cover, protecting your truck against accidental damage, theft, vandalism, fire, and weather-related incidents. It also includes third-party liability, covering damages if you are responsible for an accident.
Goods in Transit Insurance
If you transport goods for clients, goods in transit insurance can cover loss, theft, or damage to the cargo while it is being moved. Ideal for freight carriers, couriers, and logistics operators responsible for cargo during transport.
Trailer in Control Insurance
Many truck drivers haul trailers they do not own, either through hire agreements or as part of shared transport contracts. Trailer in control insurance covers damage to trailers that are in your possession but belong to someone else.
Fleet Insurance for Multiple Trucks
For businesses that operate multiple trucks, fleet insurance offers an easier and often more cost-effective way to insure all vehicles under one policy. Instead of managing separate policies for each truck, fleet insurance simplifies the process.
Downtime Insurance
When your truck is off the road due to an accident or repair, you lose income. Downtime insurance helps cover financial losses while your truck is being fixed, allowing your business to continue operating without major disruptions. This is an optional extension; please mention this when requesting a quote.
Dangerous Goods Insurance
Transporting hazardous materials like chemicals, fuel, or flammable goods comes with higher risks and stricter regulations. Dangerous goods insurance provides specialist cover for trucks carrying high-risk cargo, ensuring compliance with safety standards while protecting against accidents or spills.
General Freight Insurance
Not all transported goods require special handling. General freight insurance provides cover for standard, non-hazardous cargo such as building materials, retail stock, or packaged goods.
Your Trusted Business Insurance Partners, Wherever You Are
For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Owner-Drivers & Subbies
If you’re running your own rig, you’re not just a driver; you’re a small business owner. Truck insurance is a must to protect:
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Your prime mover or rigid truck
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Any trailers you’re towing
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Liability if something goes wrong on the road
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Loss of income if you’re off the tools due to a breakdown or accident
Transport Operators & Freight Companies
If you’re running a fleet, whether it’s two trucks or 200 – you’ll need a tailored fleet insurance solution that can include:
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Comprehensive vehicle cover
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Goods in transit (aka marine cargo) cover
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Public and products liability
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Downtime cover to keep cash flow steady
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Cover for subcontractors and depot operations
Refrigerated & Food Transport
Refrigeration failure can be costly if you’re carting perishables across long distances or metro runs. Consider:
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Spoilage cover due to mechanical breakdown
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Breakdown towing and roadside assist
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Goods in transit cover tailored to cold chain logistics
Farming & Agricultural Businesses
Rural businesses often rely on trucks to move livestock, grain, feed, or equipment across paddocks and long distances. You should consider:
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Cover for rural road use and off-road conditions
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Seasonal or lay-up options when vehicles aren’t in use
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Protection for trailers, dog trailers, and plant equipment
How Much Does Truck Insurance Cost?
The cost of truck insurance varies based on several factors, including:
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Type of truck: Heavy rigid trucks, prime movers, light commercial trucks, and refrigerated vehicles all have different insurance needs.
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Business operations – Long-haul transport carries different risks compared to local deliveries.
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Driver history – A clean driving record may help reduce premiums, while past claims or traffic violations can increase costs.
- Location and security measures – Trucks parked in secure locations with anti-theft devices may receive lower premiums.
Is truck insurance mandatory in Australia?
All registered trucks in Australia must have Compulsory Third-Party (CTP) insurance, which covers personal injury claims if someone is hurt in an accident. However, CTP does not cover damage to vehicles or property. That is why additional cover, like comprehensive or third-party property damage insurance, is recommended.
Can I insure multiple trucks under one policy?
Yes, fleet insurance allows businesses to cover multiple trucks under one policy, making it easier to manage and often more cost-effective than separate policies.
Does insurance cover goods in transit?
Most standard truck insurance policies do not include goods in transit. If you transport cargo, you may need to add a separate policy to protect the value of your load in case of damage, theft, or loss.
What should I do if my truck is involved in an accident?
If an accident happens, prioritise safety and report the incident if necessary. Collect details, including photos, witness statements, and the other party’s information. Contact your dedicated Coverscope insurance broker as soon as possible to begin the claims process.
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
