TRUCK INSURANCE

Truck insurance is very similar to car insurance in that it involves two components: Own Damage Coverage and Third Party Coverage.

• Own Damage Coverage covers damage to your vehicle caused by unexpected events such as fire, theft, collision, or weather-related incidents.
• Third-Party Coverage covers injury or damage to other people’s vehicles and property caused by the use and operation of your vehicle.

Truck insurance is essential for anyone that owns a vehicle, in order to be protected from the financial impact of an accident or insured event. The consequences of an accident can cost hundreds through to millions of dollars including the repair and replacement of your vehicle and that of others, road closure and clean up costs and injuries or death sustained by third parties.

It is important to note that there are various types of truck insurance available. Truck Insurance HQ can review your needs and make recommendations on the most suitable coverage options available.

At Truck Insurance HQ we do the legwork for you, finding the most comprehensive and cost-effective insurance product available from what otherwise can be an overwhelming range of insures and products.

We will provide you with the insurers schedule, policy wording and both upfront and monthly payment options.

The majority of quotes will be returned within 1 business day, however if your quote is more complex or you have an adverse history it can take up to 5 business days.

If you currently have insurance in place and wish to remarket it, we recommend waiting until 30 days prior to your next renewal date, as most insurers won’t quote more than 30 days in advance.

We also recommend getting an up-to-date copy of your claims history for the previous 5 years.

We are typically able to cover all brands of vehicles including car license vans, utes and light trucks. Some examples of light trucks that may be covered under small truck insurance include:

• Isuzu Trucks
• Hino Trucks
• Mitsubishi Trucks
• 2 Tonne Trucks
• 5 Tonne Trucks
• Mini Trucks
• Mini Vans
• Pick Up Trucks
• Work Utes
• Small Refrigerated Trucks

These could be used by tradespeople, retailers/wholesalers or transport operators and in almost any body configuration.

Contact us and we’ll be happy to help determine if coverage is available for your vehicle.

In Australia, the types of commercial trucks that are commonly insured include:

• Rigid Trucks: Used for deliveries and services. Can be a tray, Pantech, curtainsider or have a specility attachment such as a Hiab or EWP.
• Pantechs: Enclosed trucks for secure transportation of goods.
• Prime Movers: The largest trucks in Australia able to run in various configurations from a single trailer through to road train.
• Prime Movers with Semi-Trailers: Large trucks for long-distance haulage, consisting of a tractor unit and one or more trailers.
• Tilt Tray Trucks: Commonly used for towing services in Australia.
• Tip Trucks: Used for the transport of bulk materials and goods such as soil, grains and waste material. Can be traditional rear tipping, side or walking floor and either a rigid or articulated vehicle.
• Garbage Trucks: Specialised vehicles for waste collection and disposal services. Can include hook lift and skip bin configurations.
• Tray Trucks: Known as flatbed trucks elsewhere, suitable for transporting oversized loads.
• Mobile Food Vans: Vehicles selling food items, including ice cream, referred to as ice cream trucks in other countries.
• Road Trains: The largest trucks on Australian roads, often consisting of multiple trailers.

The specific insurance coverage and requirements for each type of commercial truck can vary, and business owners or truck operators in Australia should work with insurance providers to tailor their policies to their individual needs. It’s essential to consult with local insurance companies or insurance brokers and understand the specific regulations and requirements that apply in Australia for commercial truck insurance.