Transport & Logistics

Truck Insurance Adelaide & South Australia

Insuregroup arranges truck insurance for owner-drivers, fleets and transport businesses in Adelaide and regional South Australia. We look at how and where your trucks run, from port and metro freight to rural and interstate work, and compare cover options across our network of insurers.

Get a Quote Call 1300 983 940

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Truck Insurance Adelaide & South Australia

Truck Insurance for Adelaide and South Australian Operators

Insuregroup is a specialist truck and heavy vehicle insurance broker that arranges cover for transport businesses across Australia, including owner-drivers and fleets based in Adelaide and regional South Australia. We work with South Australian operators by phone and online from our Brisbane office. We look at how your trucks are actually used, then compare options across our network of insurers.

For national and interstate operations, see our main truck insurance Australia page.

What to expect

How South Australian Truck Work Differs

Port and metro freight. Trucks serving Port Adelaide and Outer Harbor, and the industrial areas and distribution centres of Adelaide’s north and west, deal with yard work, loading and busy arterial roads such as the Port River Expressway and the Northern Connector.
Interstate runs. Long interstate runs make breakdown, towing and recovery limits worth a close look. See prime mover insurance and semi-trailer insurance.
Agricultural and rural transport. Regional operators carry grain, livestock and produce, often seasonally and on rural roads. See our guide on rural and remote transport insurance.
Construction and quarry work. Tippers, dump trucks and tilt trays bring site access and loading questions.
Refrigerated freight. Food and produce carriers should check cover for refrigerated trucks.

South Australian Rules That Affect Your Truck Insurance

The Heavy Vehicle National Law Applies in South Australia

South Australia applies the Heavy Vehicle National Law (HVNL), which the National Heavy Vehicle Regulator (NHVR) administers for vehicles over 4.5 tonnes gross vehicle mass. The state’s Department for Infrastructure and Transport is also developing a High Productivity Vehicle Network for freight, so access arrangements for larger combinations may change. Compliance with fatigue, mass, dimension and speed rules can affect how a claim is assessed. Our guide on the HVNL and truck insurance explains the link.

SA CTP Insures Injury, Not Your Truck

In South Australia, Compulsory Third Party (CTP) insurance is paid with vehicle registration and sold by approved insurers on terms set by the state’s CTP Regulator. It covers injury or death caused to other people and is fault-based. It does not cover damage to your truck, to other vehicles or to property. That needs a commercial motor policy. Our guide to compulsory third party versus comprehensive cover explains the difference.

Declare Radius and Routes

Insurers usually ask where the truck operates and how far from base it travels. A truck declared for metro work that regularly runs interstate may not be rated for that use. Declare regular long runs, rural work and the states you travel through.

Types of Truck Cover We Arrange in South Australia

Comprehensive Cover

Covers accidental damage to your truck, theft, and your legal liability for damage to other people’s vehicles and property, subject to the policy terms.

Fire, Theft and Third Party Property

Covers fire and theft of your truck plus your liability for damage you cause to others.

Third Party Property Only

Covers your legal liability for damage to other people’s vehicles and property, but not damage to your own truck.

Options Worth Asking About

Goods in transit or carrier’s liability for the loads you carry
Towing and recovery limits that reflect remote breakdowns
Downtime or loss of income cover while an insured truck is being repaired; see how truck downtime affects contracts and cash flow
Public liability at the limit your contracts require, with a certificate of currency ready before you start
Fleet insurance once you run several trucks

Who We Work With

We work with owner-drivers, subcontractors, family transport businesses and larger fleets running freight, construction, agricultural and refrigerated work. Our comparison of linehaul and metro delivery risks is a useful starting point.

Request a quote

Get a Truck Insurance Quote

Send your details online or call us. A broker will review how and where your trucks run, compare options across our network of insurers and explain the differences so you can decide.

Thanks — your request is with us. A broker will call you back on the next business day. Need cover sooner? Call 1300 983 940.

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Please describe the trucks / trailers / machinery / vehicles you are looking to insure *Include as much detail as possible: YEAR, MAKE, MODEL, REGO (if available) and VALUE EXCLUDING GST for each item, plus the item TYPE, such as prime mover, crane, excavator, tipper truck or skip truck.Please describe the items you want insured, including each item's value excluding GST.

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Do you intend to dry hire (without operator) any of these items in the next 12 months? *This one is needed before we can quote.

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Do you need a quote for carriers / load insurance? *This one is needed before we can quote.

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? *This one is needed before we can quote.

Have you or any partners or directors ever been declared bankrupt in the last 10 years? *This one is needed before we can quote.

Have you or any partners/directors had any policies cancelled/declined or special terms imposed? *This one is needed before we can quote.

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? *This one is needed before we can quote.

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? *This one is needed before we can quote.

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We reply on the next business day. Prefer to talk it through? Call 1300 983 940.

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Your Broker

Stirling Sanderson, Principal Broker

Stirling set up Insuregroup in 2014 after many years as an insurance underwriter and broker. He oversees the day-to-day broking, negotiates with insurers for clients and helps with claims, for everyone from single-truck owner-drivers to large fleets of trucks and heavy plant.

Qualifications: Bachelor of Business, majoring in Insurance; Diploma of Financial Services (Australian Institute of Insurance and Finance)
Experience: Licensed authorised broker for over 10 years
Authorised Representative No.: 453069

Read our story

Insuregroup have been very professional and prompt in dealing with the management of our insurances for the last 3 years.

Kerry — Director, civil construction company

Read all 102 Google reviews

Questions We Get Asked

Frequently Asked Questions

Does South Australian CTP cover damage to my truck?

No. SA CTP is paid with registration and covers injury or death caused to other people. Damage to your truck, other vehicles or property needs a commercial motor policy.

Does the Heavy Vehicle National Law apply in South Australia?

Yes. South Australia applies the Heavy Vehicle National Law, which the National Heavy Vehicle Regulator administers for vehicles over 4.5 tonnes gross vehicle mass.

Do you have an office in Adelaide?

No. Our office is in Brisbane, and we work with South Australian operators by phone and online.