Prime Mover Insurance Brokers
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Why 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.
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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?
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
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 operators moving 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:
Cover for damage to your prime mover caused by an insured event
Fire, theft or attempted theft
Liability for third-party property damage
Damage caused while towing trailers
Recovery or towing following an insured incident
Optional extras such as windscreen repair or rental vehicle costs
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:
Damage from general wear and tear
Mechanical or electrical failures not linked to an insured event
Loss caused by unlicensed or unauthorised vehicle use
Use outside the declared business activity
Incidents involving unlawful acts, drugs or alcohol
Modifications not disclosed to the insurer
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
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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
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
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