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 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 Avatar 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 Avatar 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 Avatar 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 Avatar 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:

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.
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:

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Accidental damage to the insured truck

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Fire, theft or malicious damage

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Public liability for injury or property damage

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Loading, unloading or in-transit incidents

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Towing or recovery following an insured event

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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:

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Gradual deterioration or wear and tear

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Mechanical or electrical failure unrelated to a covered event

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Operation by unlicensed or unauthorised drivers

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Use outside the described business purpose

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Damage resulting from illegal activity

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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

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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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