Transport & Logistics

Truck Insurance Perth & WA

Insuregroup arranges truck insurance for owner-drivers, fleets and transport businesses in Perth and regional Western Australia. We look at how and where your trucks run, from metro freight to road trains and remote work, and compare cover options across our network of insurers.

Get a Quote Call 1300 983 940

Licensed & Regulated Broker
Steadfast Group Member
100+ insurance markets

2014: Broking Since
5,000+: Policies Arranged
100+: Insurance Markets
5.0: Google Rating (102)

Home
Truck Insurance Perth & WA

Truck Insurance for Western 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 Perth and regional Western Australia. We work with WA operators by phone and online from our Brisbane office, and look at how your trucks are actually used before comparing options across our network of insurers.

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

What to expect

How WA Truck Work Differs

Western Australia’s distances and road network shape the risks insurers look at:

Long regional runs. Operators run north on the Great Northern Highway and North West Coastal Highway towards the Pilbara and Kimberley, east on the Great Eastern Highway to the Goldfields, and up the Brand Highway towards the Mid West.
Road trains and multi-combinations. Larger combinations are common on WA’s regional networks, so how each prime mover and trailer is declared matters. See prime mover insurance, semi-trailer insurance and trailer-in-control cover.
Mining and resources work. Trucks servicing mine sites, camps and resource projects may face site access conditions and contract insurance requirements from head contractors. See mining insurance.
Perth metro and port freight. Container and general freight between Fremantle Port, industrial areas and distribution centres brings frequent loading, yard work and busy metro traffic.
Interstate across the Nullarbor. Trucks running east on the Eyre Highway cover long distances between towns, so breakdown, towing and recovery limits deserve a close look.

WA Rules That Affect Your Truck Insurance

WA Has Its Own Heavy Vehicle Regulator

The Heavy Vehicle National Law (HVNL) has not commenced in Western Australia. Within WA, Main Roads WA’s Heavy Vehicle Services is the heavy vehicle regulator. It manages Restricted Access Vehicle (RAV) networks and permits, oversize and over-mass movements, and the WA Heavy Vehicle Accreditation Scheme (WAHVA). When a WA truck crosses into a state where the HVNL applies, the HVNL applies to it there, so if you run interstate your compliance setup needs to cover both. Our guide on the HVNL and truck insurance explains how compliance links to claims.

Motor Injury Insurance Is Not Truck Insurance

WA-registered vehicles carry motor injury insurance through the Insurance Commission of Western Australia, which covers injuries caused to other people in a crash anywhere in Australia. It is injury cover only. Damage to your truck, to other vehicles or to property 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 to the Pilbara or interstate may not be rated for that use. Declare regular long runs, remote area work and the states you travel through.

Trucks We Help Insure in WA

Prime Movers and Road Trains

Prime movers pulling single trailers, B-doubles and road train combinations on regional and interstate work. See prime mover insurance.

Tippers and Side Tippers

Tippers on quarry, civil, construction and resources haulage. See tipper insurance.

Refrigerated Trucks

Temperature-controlled trucks carrying food and produce across the state. See refrigerated truck insurance.

Rigid and Delivery Trucks

Pantechs, curtainsiders and tabletops on Perth metro and regional delivery work.

Tow Trucks and Tilt Trays

Recovery and transport vehicles, including the vehicles in their care. See tow truck insurance and tilt tray insurance.

Crane Trucks and Service Trucks

Trucks with cranes, Hiabs or service bodies for construction, mining and maintenance work. See crane truck and Hiab insurance.

Types of Truck Cover We Arrange in WA

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

Towing and recovery limits that reflect remote breakdowns, and the cost of getting the truck and driver home
Goods in transit or carrier’s liability for the loads you carry, including refrigerated freight
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

Before you buy

Common Exclusions to Check

Every policy is different, and the Product Disclosure Statement sets out the full terms. Exclusions that matter for WA work often include:

Use, radius or drivers that were not declared to the insurer, such as remote or interstate runs on a policy rated for metro work
Combinations or trailers that were not declared
Drivers who were unlicensed for the vehicle class, or under the influence
Overloading or operating outside permit conditions, depending on the wording
Wear and tear, mechanical breakdown and gradual damage
Damage to the load itself, unless goods in transit cover is in place

What Affects the Cost in WA

There is no standard price for truck insurance in Perth or anywhere else. Insurers look at the vehicle and its value, how it is used, the radius and routes, the goods carried, driver history, the excess you choose and your claims record. Long remote runs and larger combinations are part of that picture. Our guide on how much truck insurance costs in Australia explains each factor.

Who We Work With

We work with owner-drivers, subcontractors, family transport businesses and larger fleets running freight, construction, resources, agricultural and refrigerated work. Our guide on rural and remote transport insurance and our comparison of linehaul and metro delivery risks are useful starting points.

What to expect

What to Have Ready

Vehicle and trailer list with registrations, body types and sums insured
The combinations you run and the routes you use regularly
Driver details, licence classes and experience
Claims history for the past five years
Any contract insurance requirements from head contractors or mine sites
Where trucks are kept overnight

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. The quickest way to start is our truck insurance quote form.

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

Name *

This one is needed before we can quote.

Phone *This one is needed before we can quote.

Email *This one is needed before we can quote.

Do you have an active ABN? *This one is needed before we can quote.

Please advise your ABN *This one is needed before we can quote.

Please select your occupation *This one is needed before we can quote.

What do you transport? *This one is needed before we can quote.

What do you construct? *This one is needed before we can quote.

Do you transport dangerous goods? *This one is needed before we can quote.

Do you transport refrigerated? *This one is needed before we can quote.

What sort of tradesman are you? *This one is needed before we can quote.

What do you manufacture? *This one is needed before we can quote.

What sort of drilling do you do? *This one is needed before we can quote.

Please describe your occupation *This one is needed before we can quote.

How many employees in your business? (Including working directors/owners) *This one is needed before we can quote.

How many items are you looking to insure? *This one is needed before we can quote.

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.

Did you include the ex gst value of the items in the description above? *This one is needed before we can quote.

Where are these items mostly garaged/stored? *Street address, suburb, state and postcode.This one is needed before we can quote.

Are you currently insured for any of the above items? *This one is needed before we can quote.

Are you with an insurer directly or with an insurance broker? *This one is needed before we can quote.

Do you know who your insurer is? *This one is needed before we can quote.

Do you know who your insurer is? (not the broker) *This one is needed before we can quote.

Please advise who your insurer is *This one is needed before we can quote.

Please advise the insurance status of the above items *This one is needed before we can quote.

Do you have insurance on any other similar items currently? *This one is needed before we can quote.

Have you held insurance on any other similar items in the last 3 months? *This one is needed before we can quote.

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.

Will you ensure to have a hire rental agreement / formal terms and conditions for the dry hire? *This one is needed before we can quote.

Do you need a quote for public liability insurance? *This one is needed before we can quote.

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.

How urgent is the insurance? *This one is needed before we can quote.

How did you hear about Insuregroup? *This one is needed before we can quote.

If you have the purchase invoice for the items or any documents relevant you can upload them hereMax. file size: 128 MB.This one is needed before we can quote.

Would you like to make any further comments before submitting the request? We will send you an email as soon as possible. *This one is needed before we can quote.

Please enter your comments/requests here *This one is needed before we can quote.

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

Plays from YouTube — nothing loads until you press play.

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 the Heavy Vehicle National Law apply in WA?

The HVNL has not commenced in Western Australia. Within WA, Main Roads WA's Heavy Vehicle Services regulates heavy vehicles. A WA truck that crosses into a state where the HVNL applies must comply with it there.

Does WA motor injury insurance cover damage to my truck?

No. Motor injury insurance on WA-registered vehicles covers injuries caused to other people. Damage to your truck, other vehicles or property needs a commercial motor policy.

Do you have an office in Perth?

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

Can you insure road trains and multi-combinations?

Yes, we can approach insurers for prime movers and the trailers in each combination. Declare every trailer and the combinations you run so the cover matches how you operate.

Does it matter if my truck runs to the Pilbara or interstate?

Yes. Insurers rate trucks on their radius and routes. If a truck regularly runs remote or interstate, declare it, or a claim on those runs could be affected.

How much does truck insurance cost in Perth?

There is no standard price. It depends on the truck, how it is used, the radius, the goods carried, the drivers, the excess and your claims history. A quote for your own trucks is the only reliable figure.