Tow Truck Insurance

Tow Truck Insurance Brokers

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 Tow Truck Operators Trust Insuregroup

Founded and led by Stirling Sanderson, Insuregroup (AFSL No. 525491) has been supporting Australian transport and heavy vehicle operators since 2014. With more than 15 years of insurance industry experience, Stirling understands the demanding nature of towing operations, including roadside recovery risks, vehicle handling exposures, after-hours callouts and the responsibility involved in transporting customer vehicles and equipment. With a family background linked to the establishment of UAA, he brings extensive insight into heavy motor, machinery and transport-related insurance considerations.

Since our inception, we’ve assisted with more than 1,000 insurance policies nationwide, supporting everyone from independent tow truck owner-operators through to larger towing and recovery businesses managing multiple vehicles and drivers. Our experience across towing, transport and commercial motor risks helps us guide clients through insurance considerations relating to recovery work, vehicle custody, accident response operations and business continuity. As a licensed and regulated Steadfast Group brokerage, Insuregroup provides tailored guidance and ongoing support for businesses operating within the towing and roadside assistance industry.

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. 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.

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 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:

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:

Roadside assistance and vehicle recovery operators

Accident towing and breakdown response services

Vehicle transport and relocation businesses

Mechanical workshops operating tow trucks

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:

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:

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

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 tow 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 tow trucks, 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 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.

Specialist Insurance Broker

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