Tipper 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.
EXPERT ADVICE
QUICK QUOTES
POLICY GUIDANCE
We help operators 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.
Real Customer Reviews
Ready to get a quote?
What is Tipper Insurance?
Types of Tippers That Can Be Insured
We assist Australian businesses in reviewing insurance options for a wide range of tipper vehicles, from single-unit operators to full-site fleets.
Some commonly insured tipper vehicle types include:
Standard tipper trucks
Used in construction, waste removal and cartage.
Articulated tippers
Ideal for large-scale infrastructure and mining.
Rigid body tippers
Common in earthmoving and site prep work.
Off-road tippers
Used in quarries or enclosed environments.
Mini and site dumpers
Suited to confined areas and residential works.
Side tippers
Useful for road building and rail corridor use.
Modified or custom tippers
Assessed based on compliance and configuration.
Whether operating locally or regionally, we help you identify and explore providers and policy options that may be appropriate to your truck’s usage and risk profile.
As members of the Steadfast Insurance Group and with an extensive network, we have access to a wide panel of Australian insurers to meet diverse business needs.
Industries and operators we work with
Our clients typically include:
Construction and civil contractors transporting materials
Earthmoving and excavation businesses
Landscaping and site preparation contractors
Quarry and aggregate transport operators
Waste and materials transport businesses
What does Tipper Insurance cover?
Tipper truck insurance is intended to help manage financial impacts from incidents involving vehicle damage, third-party claims and operational losses. Coverage will depend on the insurer and policy configuration.
Typical inclusions may involve:
Repairs or replacement after theft, fire or accidents
Liability for injury or damage to third parties
Incidents related to tipping, loading or material spills
Damage to hydraulic arms or lifting systems
Recovery and salvage expenses
Windscreen and glass repairs
Optional extras such as replacement vehicle hire
At Insuregroup, we help identify policy features that align with your operations and vehicle setup and assist in obtaining a tipper insurance quote that reflects your requirements and situation.
What does Tipper Insurance not cover?
Like any commercial policy, tipper insurance also has defined exclusions. Understanding exclusions may help reduce the risk of claim disputes or delays.
Common exclusions may include:
Use by unlicensed or unauthorised drivers
Mechanical failure unrelated to an insured event
Use outside the agreed scope or business purpose
Insufficient vehicle maintenance
Overloading or unsafe operation
Claims occurring outside the active policy term
Always consult the Product Disclosure Statement (PDS) and relevant policy schedules before making a decision. Our team can assist in reviewing these documents and help you understand your obligations and the policy’s terms.
Request An Online Tipper 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 click here
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 does tipper insurance differ from commercial truck insurance?
While standard commercial truck insurance generally covers road use and third-party liability, tipper insurance is designed to include risks specific to vehicles with tipping bodies. This may include incidents during loading or unloading, damage to hydraulic systems and material spills. It can also take into account the environments these trucks typically operate in, such as construction sites or quarries.
What does tipper insurance cost?
Premiums vary depending on several factors, including the type of tipper, its market value, age, and load capacity. The operating environment, such as whether it’s used off-road, in high-traffic zones or across multiple sites, can also impact cost.
Additional considerations may include your business structure, driver history, claims record and any modifications to the vehicle. Working with a broker can help clarify which of these factors apply to your specific situation.
How can I get a quote for tipper insurance?
You can request a quote online or by phone through Insuregroup. To get started, you’ll need to provide some basic information about your vehicle, how it’s used and your business activities. From there, our team will compare insurance options from our network of Australian insurers and guide you through the process.
How long does the process take?
We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.
Tipper Insurance Guides & Resources
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