Truck
Insurance

Operating trucks in industries such as transport, logistics and construction involves a range of risks, from vehicle damage and third-party incidents to legal and compliance responsibilities. Whether you manage a single vehicle or a fleet, having suitable truck insurance can help support your risk management processes and reduce the impact of operational disruptions.

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What is Truck Insurance?

Truck insurance is a type of commercial motor insurance designed to help manage the risks associated with operating heavy vehicles for business purposes. It’s commonly considered by owner-drivers, freight operators and transport businesses who rely on trucks for daily operations.

Depending on the insurer and policy chosen, cover may include public liability, vehicle damage, theft, fire, or transit-related incidents. At Insuregroup, we assist Australian businesses review insurance options suited to commercial truck use and specific operating conditions.

Do you need Truck Insurance?

If your business uses trucks to move goods, equipment or materials, commercial truck insurance may be an option for you. Vehicles used in transport or civil operations often face exposures that differ from personal or general commercial use.

Not all general motor policies extend to risks such as loading incidents, cargo loss or long-haul use. As such, reviewing your cover with a broker may help you identify whether the policy is appropriate for your business activities, route types and asset values.

Why Insuregroup?

MONTHLY INSTALMENTS

Monthly payment options may be available to support cash flow while maintaining insurance coverage for your truck or fleet.

EXPERT ADVICE

Our team has extensive experience working with businesses in transport, trade and logistics and can assist with identifying truck insurance options for a variety of needs.

QUICK QUOTES

Need cover in place without delay? We aim to assist with fast quote turnaround so you can efficiently assess your options without unnecessary delay.

RANGE OF OPTIONS

With access to a wide network of insurers, we help you explore a range of truck insurance options suited to your industry, location and vehicle type.

Google Reviews

Stirling Sanderson, Managing Director of InsureGroup, helped me sort out my Certificate of Currency ( Insurance) to include flood cover for my Strata/Sectional Title property in an extremely efficient and prompt manner. I can highly recommend him. Thank you, Stirling. Wendy Morley
 Clyde Hilton

April 8, 2025 
Stirling made insuring our truck such an easy and quick process. He’s very responsive with any questions we had – highly recommend!
 Dania N

April 8, 2025 
When my previous insurer decided to stop insuring commercial delivery pantechs for local deliveries and discovering several other companies also backed away from this type of industry, Sterling found the coverage I needed for peace of mind and to keep the wheels turning promptly and efficiently.
 j sladok

April 8, 2025 
Stirling was great for helping me find commercial truck insurance. He was prompt at responding and sorted everything out same day.
 Jess Langan

April 8, 2025 

Types of Trucks That Can Be Insured

We support businesses Australia-wide in reviewing insurance options for a broad range of commercial trucks used across freight, logistics, construction and service-based industries.

Common truck types that may be considered for cover include:

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Prime Movers

Heavy-duty trucks built for towing trailers long distances, commonly used in freight and interstate transport.

Tippers

Trucks with hydraulic lifts for unloading loose materials, suited to construction, quarry and earthmoving work.

Refrigerated Trucks

Temperature-controlled vehicles used to transport perishable goods within cold chain logistics.

Flatbed Trucks

Open-deck trucks for oversized or irregular loads such as equipment or building materials.

Curtainsiders

Freight trucks with retractable side curtains for fast loading and unloading of palletised goods.

Tow Trucks

Vehicles used for roadside breakdown recovery and transport, across public and commercial settings.

Pantechs (Box Trucks)

Enclosed trucks, often used for furniture moves, parcel delivery or general freight transport.

Tabletop Trucks

Flat platform trucks for light loads and short-haul work, common in metro or suburban delivery tasks.

Food Trucks

Mobile vehicles fitted with kitchens, used for preparing and serving food on-site.

Tilt Trays

Trucks with tilting flatbeds designed for loading and transporting vehicles or equipment.

Semi Trailers

Large trailers commonly used for hauling freight, attached to prime movers.

Dump Trucks

Heavy vehicles with hydraulic beds for transporting and unloading loose materials.

Whether you operate one truck or manage an entire fleet, locally or interstate, we can help assess options that reflect how your vehicles are used and the environments they operate in.

As part of the Steadfast Insurance Group, Insuregroup has access to a wide network of insurers across Australia, enabling us to support clients in reviewing cover that aligns with their specific business operations.

What does Truck Insurance cover?

The individual features of a truck insurance policy usually vary depending on the insurer, your vehicle type, intended use and the scope of cover chosen. Some inclusions may help protect against common operating risks but may not cover other areas relevant to your business.

Cover may include:

Accidental damage to the insured truck

Fire, theft or malicious damage

Public liability for injury or property damage

Loading, unloading or in-transit incidents

Towing or recovery following an insured event

Optional additions such as windscreen repair or rental vehicle support

Just as inclusions can vary, each insurer also sets its own coverage conditions and limits. Often complex to navigate, our brokers help you work through these details and support you to compare your options based on your vehicle’s role, usage and business needs.

What does Truck Insurance not cover?

Exclusions are an important part of every policy and taking the time to understand both the inclusions and exclusions in your truck insurance policy can help minimise the chance of unexpected outcomes during claims.

Cover is commonly excluded for:

Gradual deterioration or wear and tear

Mechanical or electrical failure unrelated to a covered event

Operation by unlicensed or unauthorised drivers

Use outside the described business purpose

Damage resulting from illegal activity

Modifications not disclosed to the insurer

Exclusions can be different between providers and policies, so it’s recommended to carefully review the Product Disclosure Statement (PDS) for full details. Our team can also assist with this to support your review and decision-making process when considering your policy options.

Online 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 truck insurance process – insurance solutions on demand.

In order to meet the demand for fast, simple, and convenient truck insurance Australia-wide, we’ve developed an insurance process capable of providing you with all the information you need – including an insurance quote within 24 hours. To achieve this, we offer a simple and user-friendly online quote form that requires a few simple details to generate the most competitive and applicable quote in the market.

To provide you with the solution you need within such a short timeframe, we have implemented a short and highly effective system, which is outlined below:

1. Provide us with your business information for your vehicle

Simply provide us with your business information online and we’ll take care of the rest to find you the most competitive quote for your truck insurance.

2. We will locate the most competitive and applicable insurance quotes

We’ll scour the insurance market to locate the most competitive and applicable quotes from a vast network of insurers. This will typically take no more than 24 hours.

3. We will present you with the best available quotes

We process the best of the available quotes and draft an email with the relevant details.

4. Detailed email

You receive the email detailing the most competitive truck insurance quote available.

4. Finalise contract & accept quote

From this point, all that is required to finalise the contract is acceptance and payment via email or telephone – the entire process can be streamlined to a mere 24 hours.

Our process allows us to provide you with the best insurance solutions for your trucks, drivers and goods, in the shortest time possible

Frequently Asked Questions

Which insurance is best for trucks?

This depends on the type of truck, how it’s used and the risks involved in your operations. Some providers offer policies specific to transport or civil sectors, rather than a standalone truck insurance policy with broader coverage. Comparing policies with the assistance of a broker may help provide clarity concerning your options.

How much does truck insurance cost?

The cost of truck insurance can vary greatly based on the vehicle’s value, use, driver history, location and type of freight. Premiums typically also vary between insurers, as such, requesting a quote based on your business needs and specifics is the recommended way to obtain a cost estimate.

How can I get a quote for truck insurance?

To request a quote, you can fill out our online quote form or contact our team directly. We’ll ask for relevant information about your vehicles and usage and help you review available policy options based on these details.

Are monthly premiums available?

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

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 only engage specialist insurers who specifically insure truck and transport operators. 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 truck and transport insurance, you can be confident our insurers will respond in a prompt and proficient manner, allowing us to deliver much quicker truck insurance quotes than many of our competitors

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.

Are the insurers licensed in Australia for truck insurance?

At Insuregroup, we demand the upmost in quality and expertise from all truck insurers. To ensure that our standards are met, we only use insurers that are licensed to operate in Australia, with all necessary accreditations. This means that the insurers are monitored stringently by ASIC and APRA – the Australian Securities and Investment Commission and the Australian Prudential Regulation Authority respectively. This gives our customers peace of mind!

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 the truck insurance policies within our network of insurers, we select only those offering the most extensive cover for the most competitive available price!

Insuregroup: Experts in Insurance

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

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