Prime Mover Insurance

We work with a range of insurers and specialist heavy vehicle underwriters, including Zurich, Allianz, Lloyd’s, QBE, CGU, NTI, GT Insurance and UAA. (Policy terms and availability subject to underwriting assessment).

Why Prime Mover Operators Trust Insuregroup

Founded by Stirling Sanderson, Insuregroup (AFSL No. 525491) has specialised in heavy vehicle and transport insurance since 2014. With more than 15 years of insurance industry experience, Stirling understands the operational demands placed on Australian prime mover operators, from interstate freight and long-distance haulage through to managing trailers, contracts, schedules and driver-related risks. Drawing on a family legacy linked to the establishment of UAA, he brings extensive knowledge across transport operations, heavy machinery and commercial vehicle risk management.

We’ve assisted with more than 1,000 insurance policies nationwide, supporting everyone from single prime mover owner-drivers through to large transport and logistics businesses operating multi-vehicle fleets. Our understanding of heavy haulage and freight operations helps us guide clients through insurance considerations relating to vehicle downtime, trailer attachments, subcontractor arrangements and long-haul transport exposure. As a licensed and regulated Steadfast Group brokerage, Insuregroup provides tailored guidance and ongoing support for businesses operating within Australia’s transport and logistics industries.

Flexible monthly payment options may be available for prime mover insurance, which may assist with managing ongoing business cash flow.

Expert Advice

We assist with prime mover insurance across a range of industries, drawing on more than 10 years’ experience arranging commercial vehicle policies throughout Australia.

Quick Quotes

Need insurance arranged promptly? We can assist in obtaining timely quotes for prime mover insurance, helping to support your business needs. We work with a broad network of insurers to help you review available prime mover insurance products suited to different operating conditions and business needs.

Policy Guidance

We help transport businesses understand policy terms, inclusions and exclusions so they can make informed insurance decisions.

Claims Support

If a claim occurs, our brokers assist with the process and work with insurers on your behalf.

Ready to Get a Quote?

Submit your details online in minutes. Our brokers will review your information and provide a range of available cover options based on how your business operates.

What Is Prime Mover Insurance?

Prime mover insurance applies to vehicles used for towing in freight and logistics operations. As insurance brokers, Insuregroup helps transport businesses explore prime mover insurance options through a network of insurers and arrange cover suited to their vehicles and operations.

Types of Prime Movers That Can Be Insured

At Insuregroup, we assist businesses in exploring insurance options for a variety of prime movers used across freight, logistics, construction and industrial sectors. Whether you operate one vehicle or manage a fleet, we can help you assess coverage options relevant to your operations.

Common types of prime movers that may be insured include:

Single-Drive Prime Movers

Often used for lighter freight or shorter-distance work.

Twin-Steer or Bogie Drive Prime Movers

Common in long-haul and heavy freight operations.

Heavy-Duty Prime Movers

Used for oversized or high-weight loads across mining, construction and infrastructure projects.

Fleet Prime Movers

Operated by larger transport or logistics companies across multiple locations.

Custom-Modified Vehicles

Used for specialised applications, subject to insurer approval and declared use. We work with a broad network of insurers to help you review available prime mover insurance products suited to your business activities and vehicle specifications. As a member of industry networks such as the Steadfast Insurance Group, we have access to a wide range of commercial motor insurance offerings from reputable insurers across Australia.

Industries and Operators We Work With

At Insuregroup, we help transport operators explore insurance options for prime movers used in heavy freight and logistics operations.

Our clients typically include:

Long-haul freight operators and interstate carriers

Logistics companies managing heavy vehicle fleets

Contract drivers and owner-operators operating prime movers

Bulk freight and container transport businesses

Supply chain operatorsmoving goods across regional and national routes

What Does Prime Mover Insurance Cover?

Prime mover insurance generally provides cover for vehicles primarily used to tow trailers in commercial settings. The specific inclusions will depend on the insurer, how the vehicle is used and the level of cover selected.

Policies may include:

Coverage terms, exclusions and optional features will vary. At Insuregroup, we can help you compare options and understand what may be available to meet your needs and operational requirements.

What Does Prime Mover Insurance Not Cover?

While prime mover insurance can offer protection against many business-related risks, it will not cover every situation. Knowing what is typically excluded from a policy is just as important as understanding what’s included.

Common exclusions in prime mover insurance policies may include:

Each insurer may apply different terms, limits and exclusions. Reviewing the PDS carefully and seeking clarification on anything unclear can assist in determining whether a policy is appropriate for your circumstances.

If you’re unsure about what’s covered or how to navigate policy exclusions, we’re here to help you understand your options and provide guidance every step of the way.

Request an Online Prime Mover Insurance Quote

Please select from the options as required. You can select one or more options.

Complete the form below to receive a quote.

Completing the form usually takes 5 minutes.

Having trouble with the form? Contact Insuregroup

Our Process

The Insuregroup Insurance Process – Insurance Solutions on Demand.

We’ve streamlined our process to make arranging insurance fast and straightforward. Simply complete our online quote form with a few details and we’ll compare options from our network of insurers. Most quotes are turned around within 24 hours.

Submit a Quote Request, Online or by Phone

Start by submitting a quote request through our online form or by calling our team. Provide your business and vehicle details, and we’ll begin sourcing the most suitable prime mover truck insurance options for you.

We Source Competitive Quotes

We search a wide network of reputable insurers to find the most competitive and relevant policies for your prime movers, drivers and goods – typically within 24 hours.

Receive a Clear, Detailed Quote Summary

We present the available options in a clear, easy-to-understand email summary, outlining coverage, pricing and key inclusions tailored to your needs.

Finalise and Get Covered

Once you’re satisfied with the recommended policy, simply accept the quote. We’ll handle the paperwork and activate your cover quickly – often on the same day.

How Much Does Prime Mover Insurance Cost?

The cost of prime mover insurance depends on factors such as the vehicle type, its value, the freight being transported, frequency of use, location and driver history. Optional covers like downtime or rental vehicle costs can also affect the premium. Speaking with a broker like Insuregroup can help you compare available options and receive an estimate for cover appropriate to your business needs.

How Can I Request a Quote?

Requesting a quote for prime mover insurance is easy, simply fill out an online quote form on the Insuregroup website or contact our team by phone. Taking the time to understand your operations, our brokers will gather relevant information such as the vehicle’s specifications and intended use and source quote options from insurers within our network. We’ll then walk you through the available options so you can make an informed decision about your insurance needs.

Are Monthly Premiums Available?

Yes, we can arrange monthly payments. Easy and stress free!

When Will Insurance Certificates Be Provided

We will issue you with a certificate of insurance promptly following the finalisation of your payment. These can be issued in electronic form, so as to ensure the fastest possible turnaround.

How Long Does IT Take to Effect Cover and Produce Certificates?

The time taken for insurers to confirm the cover request is generally no longer than half an hour. We demand the best in quality and reliability and for this reason we have access to over one hundred national and international insurance providers. Being specialists in insurance, you can be confident our insurers will respond in a prompt and proficient manner, allowing us to deliver much quicker insurance quotes than many of our competitors

What About Insuregroup?

At Insuregroup, we have no affiliations with any insurers, so you’re guaranteed that we act solely in your best interests – our service is transparent and honest. This means when we search through insurance policies within our network of insurers, we select only those offering the most extensive cover for the most competitive available price!

Prime Mover Insurance Guides & Resources

View our latest guides on truck insurance, regulatory considerations and managing risk in transport operations.

Specialist Insurance Broker

Exclusive coverage and premium rates Access to over 100 national insurance markets