Tow Truck Insurance Brokers

Insuregroup supports towing operators as insurance brokers, helping arrange tow truck insurance by comparing options across a network of insurers. We assist businesses involved in recovery, roadside assistance and vehicle transport.

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 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 INSTALMENTS

Flexible monthly installment options may be available on tow truck insurance to support cash flow without compromising on business protection.

EXPERT ADVICE

With over 10 years of experience in commercial motor insurance, our team is ready to help you navigate the complexities of insurance for tow trucks.

QUICK QUOTES

Need cover fast? We assist with fast quote requests to help you compare available cover options and minimise operational delays.

RANGE OF OPTIONS

We work with a wide network of insurers to help you assess and compare cover options for single vehicles or full fleets, including liability and on-hook cover.

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?

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.

Start Your Quote

What is Tow Truck Insurance?

Tow truck insurance applies to vehicles used for towing, recovering or transporting other vehicles as part of a business. As insurance brokers, Insuregroup helps tow truck operators explore insurance options through a network of insurers and arrange cover suited to their vehicles and operations.

Types of Tow Trucks that can be insured

Insuregroup works with businesses of all sizes to arrange cover for a wide range of tow truck types, including:

Get an Online Quote

Tilt tray tow trucks

Used for general vehicle transport.

Flatbed tow trucks

For luxury or low-clearance vehicles.

Wheel-lift tow trucks

Used in urban recovery work.

Heavy-duty tow trucks

Used for commercial and industrial vehicles.

Roadside assistance vehicles

Used for breakdown and recovery.

Whether you operate in a metro area, regional zone or across state lines, we can help you compare tow truck insurance options suitable for your business activities.

As a specialist insurance broker, we provide access to a broad panel of insurers, including member products and pricing available through our membership with the Steadfast Insurance Group network.

Industries and operators we work with

At Insuregroup, we help towing operators explore insurance options suited to vehicles used for roadside recovery and vehicle transport.
Our clients typically include:

K

Roadside assistance and vehicle recovery operators

K

Accident towing and breakdown response services

K

Vehicle transport and relocation businesses

K

Mechanical workshops operating tow trucks

K

Salvage and vehicle recovery contractors

What does Tow Truck Insurance cover?

Insurance for tow trucks can vary between providers, but most policies include protection against common risks involved in the towing industry.

Standard inclusions may cover:

K

Accidental damage to your tow truck

K

Theft or attempted theft of the vehicle or attached equipment

K

Fire or malicious damage

K

Legal liability for injury or third-party property damage

K

Cover for client vehicles in your care (often referred to as on-hook or in control insurance)

Optional features may include windscreen and glass repair, a hire vehicle after an accident, emergency roadside assistance, business interruption cover and protection for towing accessories or specialised equipment

At Insuregroup, we help you review available features so you can make informed decisions about what’s appropriate for your business and operational needs.

What does Tow Truck Insurance not cover?

Tow truck insurance provides important protection, but all policies have limitations and exclusions. These vary by insurer, so reviewing the Product Disclosure Statement (PDS) is essential before purchasing a policy.

Common exclusions can include:

M

General wear and tear

M

Mechanical breakdowns not caused by an insured event

M

Use of the vehicle outside the agreed business purposes

M

Incidents involving unlicensed or unauthorised drivers

M

Loss or damage resulting from unlawful activity or non-disclosure of material facts

Navigating tow truck insurance policy exclusions and cover terms can be complex. At Insuregroup, we have extensive experience supporting tow truck operators and can guide you through the process. Ensuring you understand what’s covered, what isn’t and that you secure cover appropriate to your circumstances.

Request An Online Tow Truck 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

Step 1 of 2

Name(Required)

First Last

Phone(Required)

Email(Required)

Do you have an active ABN?(Required)

Please advise your ABN(Required)

Please select your occupation(Required)

What do you transport?(Required)

What do you construct?(Required)

Do you transport dangerous goods?(Required)

Do you transport refrigerated?(Required)

What sort of tradesman are you?(Required)

What do you manufacture?(Required)

What sort of drilling do you do?(Required)

Please describe your occupation(Required)

How many employees in your business? (Including working directors/owners)(Required)

How many items are you looking to insure?(Required)

Please describe the TRUCKS / TRAILERS / MACHINERY / VEHICLES you are looking to get insured. Please include as much detail as possible including YEAR MAKE MODEL REGO (if available) AND VALUE EXCLUDING GST. Please also include the item TYPE such as prime mover, crane, excavator, tipper truck, skip truck. Thankyou.(Required)

Did you include the ex gst value of the items in the description above?(Required)

Where are these items mostly garaged/stored?(Required)

Street Address Suburb Postcode

Are you currently insured for any of the above items?(Required)

Are you with an insurer directly or with an insurance broker?(Required)

Do you know who your insurer is?(Required)

Do you know who your insurer is? (not the broker)(Required)

Please advise who your insurer is(Required)

Please advise the insurance status of the above items(Required)

Do you have insurance on any other similar items currently?(Required)

Have you held insurance on any other similar items in the last 3 months?(Required)

Do you intend to dry hire (without operator) any of these items in the next 12 months?(Required)

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire?(Required)

Do you need a quote for public liability insurance?(Required)

Do you need a quote for carriers / load insurance?(Required)

Have you or any of your operators/drivers or subcontractors had any criminal convictions which are less than 10 years old(adult), 5 years old (juvenile) or if outside of these years any convictions that have had a prison sentence greater than 30 months?(Required)

Have you or any partners or directors ever been declared bankrupt in the last 10 years?(Required)

Have you or any partners/directors had any policies cancelled/declined or special terms imposed?(Required)

Have you (company and/or director), or any person who will drive any of your vehicles / plant had any motor claims or accidents in the last 5 years?(Required)

In the past 5 years have you or any of your drivers had:- any license suspended, cancelled or amended to provisional; or any alcohol or drug conviction; or any dangerous driving offence; or any offence involving or interfering with a speed limiter?(Required)

How urgent is the insurance?(Required)

How did you hear about Insuregroup?(Required)

If you have the purchase invoice for the items or any documents relevant you can upload them here

Max. file size: 128 MB.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible.(Required)

Please enter your comments/requests here(Required)

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.

01

Submit a Quote Request
Online or Call Us Directly

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 tow truck insurance options for you.

Get an Online Quote

02

We Source
Competitive Quotes

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

03

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.

04

Finalise
& 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.

Frequently Asked Questions

How does tow truck insurance differ from truck insurance?

Tow truck insurance is specifically designed for vehicles that recover or transport other vehicles. It typically includes liability for customer vehicles in your care – something not usually covered under standard truck insurance. If you operate a towing business, this type of cover is essential to protect your business from potential third-party claims and related risks.

What is on-hook towing insurance?

On-hook towing insurance provides cover for damage to a customer’s vehicle while it is being towed or transported. This may include vehicles being winched, hoisted, or carried. It’s an important feature for tow truck operators, as damage to a customer’s vehicle during recovery can result in costly claims if not appropriately covered.

What does tow truck insurance cost?

Tow truck insurance cost varies depending on your business type, truck value, service area, claims history and the level of cover required. Insuring multiple trucks or adding cover for customer vehicles may also affect premiums. At Insuregroup, we help you compare quotes and explore options suited to your business risk profile.

How can I get a quote for Tow Truck Insurance?

You can request a tow truck insurance quote online or by contacting us directly. We’ll ask for details like the truck type, business activities, locations serviced and any attachments or towing equipment used. Using this information, we’ll identify and help you compare policy options that suit your operations and provide guidance throughout the process.

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!

Tow Truck Insurance Guides & Resources

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

View All

Insuregroup: Experts in Insurance

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

Request a Quote Online

5.0

Based on 82 reviews

powered by Google