CGU Home & Contents Insurance: Local, Monitored and Securitel Alarms
A monitored back to base sounds when triggered and dials out to a security company or emergency service. A discount applies to the policy premium.
Insurance Insights
Insurance Insights
Plain-English writing on truck, plant and business insurance — what cover actually responds to, what trips operators up, and what changes at renewal.
Fleet Size Matters: Why Bigger Fleets Face Higher Crash Rates
If you’ve gone from running a few trucks to managing a fleet across multiple sites, you may have noticed how much more complex things become. What started as…
Agricultural and Rural Transport: Insurance Considerations for Remote Operations
Anyone who’s operated in regional Australia for long enough knows that the cost of an incident isn’t always measured by the damage to the vehicle.
5 Reasons to Use an Insurance Broker
Insurance brokers are the trained experts who deal with insurance companies every day. We know the people in the companies, we have bargaining power and we understand the…
Wet Hire vs Dry Hire: Who Insures the Machine?
The difference is one operator — and it changes who wears the damage, who wears the liability, and what your policy needs to say.
Mobile Plant Insurance Explained: What “Own Damage” Really Covers
Plant cover is not a motor policy with a different name. Here is what own damage does, and where the wording draws its lines.
Machinery Breakdown Insurance: What It Covers and What It Does Not
Property and plant policies cover accidents, not failures. Breakdown cover is the section that fills that gap.
Are Your Tools Covered? Tools of Trade Insurance for Contractors
Most tool claims fail on one of three things: the item was not listed, the ute was not locked, or there was no proof it existed.
Insurance Requirements for Subcontractors on Construction Sites
What gets checked before you mobilise, why compliance is refused, and how to keep a certificate pack that never holds up a start date.
What Is an Insurance Excess? The Excesses on Truck and Plant Policies
There is rarely just one excess. Knowing which ones stack, and when, is what stops a surprise at claim time.