Truck
Insurance
If you’ve recently purchased a new or used truck, arranging insurance is often the next step. At Insuregroup, we can support you to review any existing insurance in relation to your recent purchase or assist with arranging a new policy where required, based on how trucks, equipment and machinery are used within your operations.
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Why transport operators trust Insuregroup
Founded and led by Stirling Sanderson, Insuregroup (AFSL No. 525491) has specialised in truck and transport insurance since 2014. A second-generation insurance professional with more than 15 years of industry experience, Stirling understands the risks Australian truck operators face on the road and in their business. Building on a family legacy that helped establish UAA, one of Australia’s largest heavy equipment underwriters, he brings a unique depth of knowledge across the transport and machinery sectors.
Having worked with everyone from owner-drivers to large fleet operators, we’ve assisted with more than 1,000 insurance policies nationwide since our inception. Our understanding of transport operations helps us guide clients through the insurance considerations that come with running trucks and heavy vehicles across Australia. As a licensed and regulated Steadfast Group brokerage, we follow rigorous compliance standards and deliver trusted advice and support when you need it most.
Monthly payment options may be available to support cash flow while maintaining insurance coverage for your truck or fleet.
EXPERT ADVICE
Our team has extensive experience working with businesses in transport, trade and logistics and can assist with identifying truck insurance options for a variety of needs.
QUICK QUOTES
Need cover in place without delay? We aim to assist with fast quote turnaround so you can efficiently assess your options and minimise potential disruptions.
RANGE OF OPTIONS
With access to a wide network of insurers, we help you explore a range of truck insurance options suited to your industry, location and vehicle type.
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Types of trucks that we can insure
Once a truck purchase is complete, many buyers turn their attention to insurance, checking that cover reflects the vehicle they’ve purchased and how it will be used in practice.
No matter the type of truck, our brokers support businesses Australia-wide in reviewing insurance options for commercial vehicles used across freight, logistics, construction and service-based industries.
Common truck types that may be considered for cover include:
Flatbed Trucks
Curtainsiders
Pantechs (Box Trucks)
Tabletop Trucks
Insuregroup: Experts in Insurance
Specialist insurance broker
Exclusive coverage and premium rates
Access to over 100 national insurance markets
Industries and operators we work with
At Insuregroup we support a broad spectrum of businesses that rely on
trucks to power their operations. Our clients typically include:
Truck owner-operators who drive and own their vehicles
Transport and logistics businesses operating small, medium or large fleets
Supply chain operators and freight carriers moving goods locally, regionally or interstate
Construction, civil and site contractors using tipper, flatbed, service or site trucks
Agricultural, rural and trade businesses that transport equipment, produce or materials
Service, delivery or distribution operators using pantechs, curtain-siders, refrigerated trucks or light commercial rigs
Whether this is your first truck purchase or you’re adding a vehicle to an existing fleet, our brokers can help review insurance options suited to your vehicle types, operations and industry requirements. As part of the Steadfast Insurance Group, we also have access to a wide network of insurers across Australia, allowing us to support you in arranging cover that reflects your specific operational needs.
Levels of Cover Available
Policies can be arranged to provide different levels of protection depending on your vehicle use and business needs.
The main types include:
Comprehensive Cover
Provides cover for accidental damage to your truck as well as fire, theft and legal liability for injury or property damage caused to others.
Fire, Theft & Legal Liability
Offers protection for loss or damage caused by fire or theft, along with third-party legal liability.
Legal Liability Only
Covers your legal responsibility for damage or injury caused to other people or property while using your truck.
Optional Cover
Additional or optional covers may also be available, depending on the insurer and policy. These can include windscreen repair or replacement, hire vehicle support while your truck is off the road, roadside assistance, downtime protection or cover for tools and equipment carried in the vehicle. Optional covers can add flexibility for businesses that rely heavily on their trucks and want to reduce downtime or operational disruptions.
What can be covered by truck insurance?
Your level of cover will depend on the policy chosen, how your truck is used and the risks involved in your operations.
Typical features of truck insurance can include:
Accidental damage to your truck caused by collision or impact
Fire, theft or vandalism resulting in loss or damage to the vehicle
Public & Products Liability for injury or property damage caused to third parties through your operations
Loading, unloading or in-transit incidents, including accidental spillage or shifting of cargo
Towing and recovery after an insured event
Damage to attached trailers or equipment (if declared)
Recovery of uninsured motorist losses, where another driver causes damage but cannot be identified or insured
Emergency repairs or clean-up costs following an insured incident
Return of truck and driver if an insured event occurs away from your normal base of operations
These inclusions are generally available across different cover levels, though specific limits, conditions and excesses will vary. Always review your Product Disclosure Statement (PDS) for details of what applies to your chosen policy.
Common exclusions to be aware of
Not everything can be covered under a truck insurance policy. Below are some common exclusions and limitations you should be aware of before arranging cover:
Wear and tear, gradual deterioration, corrosion or mechanical breakdowns not caused by an insured event
Electrical or electronic failures unless caused by an insured event
Damage arising from use outside the declared business purpose (e.g. unauthorised routes or uses)
Operation by unlicensed or unauthorised drivers
Illegal acts or deliberate damage
Claims outside of the geographical or operational limits defined in the policy (e.g. distances beyond agreed radius or routes through prohibited zones)
Modifications not disclosed to the insurer
Tools and portable equipment (unless covered under a Work Tools extension)
Damage to items not permanently attached or declared as part of the vehicle, unless covered under accessories or working attachments
Loss arising from certain high risk operations (e.g. extreme off-road use, exposure to hazardous materials)
Because exclusions vary by insurer, it is advised to review the PDS carefully. Our brokers can help you understand where gaps may exist and what optional covers you might need to fill them.
Request an Online Insurance Quote for Your New Truck
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Our
Process
The Insuregroup insurance process – insurance solutions on demand.
01
Submit a Quote Request
Online or Call Us Directly
02
We Source
Competitive Quotes
03
Receive a Clear,
Detailed Quote Summary
04
Finalise
& Get Covered
Frequently Asked Questions
What is Truck Insurance?
Truck insurance is a form of commercial motor insurance designed to help manage the risks of operating heavy vehicles for business use. It’s often considered by owner-drivers, freight operators and transport companies that rely on trucks for daily work. Depending on the insurer and policy, cover may include vehicle damage, theft, fire, transit incidents and public liability. Insuregroup assists Australian businesses in reviewing insurance options suited to their specific truck operations and conditions.
Who Should Consider Truck Insurance?
If your business relies on trucks to transport goods, equipment or materials, commercial truck insurance may be an important consideration. Trucks used for transport or public works often face higher or more specific risks than standard commercial vehicles. Since many general motor policies don’t cover incidents such as cargo loss, loading damage or long-haul operations, reviewing your cover with a broker can help ensure it aligns with your business activities, routes and the value of your assets.
How does truck insurance work and why use a specialist broker?
Truck insurance combines several types of cover under one policy to help protect against risks like damage, theft and liability. A specialist broker can assist you in understanding your options, managing compliance requirements and arranging cover suited to how your business operates.
How much does truck insurance cost?
The cost of truck insurance can vary greatly based on the vehicle’s value, use, driver history, location and type of freight. Premiums will also vary between insurers; as such, requesting a quote based on your business needs and specifics is the best way to obtain a cost estimate.
What impacts your premium?
- Driver profile & history: Insurers assess the age, experience and driving record of the drivers. A clean record and more years of experience generally result in a lower premium.
- Type, age & condition of the truck: Newer, more valuable trucks often cost more to repair or replace, which may raise premiums. Regular maintenance and good condition help.
- Nature & value of the cargo: If your cargo is high value, easily damaged or frequently stolen, insurers may view it as higher risk, increasing premium.
- Operating route & distance travelled: Long routes, routes through congested or high-risk areas and higher annual kilometres increase exposure and may raise premium.
- Business operations & history: How long your business has been operating, your safety record, past claims history and your reputation with insurers all matter. Newly established businesses may face higher rates.
- Coverage level & policy options: Higher limits, lower deductibles and additional extensions or optional covers mean a higher premium.
- Location & external risk factors: Regional differences in accident rates, weather conditions, crime rates and regulatory factors can affect your premium.
Does truck insurance cover electric vehicles (EVs)?
Some insurers include electric or hybrid trucks under their standard policies, while others offer specific EV coverage. It’s important to confirm this when arranging your policy, as repair costs, battery replacement and charging equipment may have different considerations.
Is the driver of the truck also covered?
Truck insurance generally covers the vehicle itself and third-party liability. Driver injury is not automatically included, but some policies or optional extensions may provide personal accident or income protection benefits. Always check your policy and its associated PDS to see what applies.
Are tools in my truck included under the cover?
Tools and equipment are not usually covered under standard truck insurance. However, you may be able to include tool or portable equipment insurance as an optional extension to protect against theft or accidental damage. Our brokers can discuss your options for this and review the PDS with you as needed.
What does Public and Products Liability insurance cover?
This type of insurance can help to protect your business if you’re found legally responsible for injury or property damage caused to others. It can also extend to claims arising from products you sell, supply or deliver.
What is Goods in Transit insurance and do I need it if I’m just driving a truck?
Goods in Transit insurance is designed to provide cover for freight or cargo against loss, theft or damage while being transported. Even if you don’t own the goods, you may still be responsible for them under a delivery contract, making this cover worth considering.
I’ve just purchased a new or used truck – when should I look at insurance?
Insurance timing depends on how the truck will be owned, operated and used. Some buyers review insurance immediately after purchase, while others review existing arrangements if usage or ownership changes.
Can I arrange insurance before the truck is delivered or registered?
In some cases, insurance can be considered before delivery or registration, depending on ownership arrangements and insurer requirements. This can be discussed during the quote process to ensure relevant details are taken into account.
If I already have insurance, do I need to update it after buying a truck?
If a new truck has been purchased or added to operations, existing insurance may need to be reviewed to ensure it reflects the current vehicle details and usage. Our brokers can help you to review current arrangements and explore new options where required.