Truck Insurance
Truck Insurance Australia | Commercial & Fleet Truck Cover
Truck Insurance
Truck Insurance Australia | Commercial & Fleet Truck Cover
Truck Insurance
Truck insurance plays a vital role in protecting truck owners and operators from unexpected financial loss following an accident. A suitable truck insurance policy can help cover damage to your truck, other vehicles, and public or third-party property, depending on the level of cover chosen.
Operating a truck without insurance can expose you to significant costs, including vehicle repairs, replacement expenses, and liability claims. In many cases, these costs can place serious strain on your business or personal finances.
Having the right truck insurance in place helps reduce financial risk and provides confidence when operating on the road. It offers practical protection and peace of mind for truck drivers and businesses working locally and across Australia.
What does Truck Insurance Cover?
Damage to your truck
Truck insurance covers damage to your truck from accidents, weather events, fire, theft, and vandalism.
Other vehicles
Truck insurance covers damage you cause to other vehicles in accidents, protecting against costly third-party repair and replacement expenses.
Damage to third party property
Truck insurance covers damage you cause to third-party property, including buildings, fences, structures, and council property during insured driving incidents.
Broken Windscreen
Truck insurance can cover the repair or replacement of a broken windscreen caused by accidents, road debris, or unforeseen driving incidents.
Downtime Cover
Downtime cover helps replace lost income when your truck cannot operate due to repairs following an insured accident or unexpected damage.
Public Liability
Truck insurance can cover your legal liability for injury or property damage caused to others while operating your truck.
What's standardly excluded under Truck Insurance
Use of drugs whilst operating truck
Speeding
Unlicensed vehicle
Unlicensed/Suspended Driver
Use of alchohol whilst operating truck
Reckless driving
Unroadworthy vehicle
Criminal and Illegal Behaviour
Is Truck Insurance mandatory in Australia?
Compulsory Third Party Insurance is mandatory in most states and territories. In QLD, this is organised when you register your vehicle through the Department of Main Roads and Transport. In NSW, this is referred to as a Green Slip and must be submitted to Service NSW or you won’t be able to register or renew your vehicle registration. Compulsory Third Party Insurance protects you from the financial implication if you cause injuries to another person while driving.
Additional covers like Third Party Property Damage, Third Party Fire & Theft, and Comprehensive Vehicle Insurance are not compulsory but should be highly considered.
What Cover Options Are Available?
Comprehensive Cover
Comprehensive cover offers the highest level of protection for your truck, protecting you against accidental damage, theft, fire, vandalism, and collisions, whether you’re at fault or not. It also typically includes cover for weather-related damage, towing costs, and repairs or replacement depending on the severity of the incident.
Third Party
Third Party cover provides essential protection for your truck by covering damage you cause to other people’s vehicles or property, helping protect you from costly out-of-pocket expenses if an accident occurs. As part of a broader truck insurance solution, this cover is ideal for operators seeking affordable protection without the extras included in comprehensive policies.
Can I insure multiple trucks under the same policy?
Yes. At Morgan Insurance Brokers, we make it easy to insure multiple trucks under a single commercial fleet policy. Whether you operate two vehicles or a large fleet, we can tailor coverage to protect all of your trucks and your drivers under one convenient plan.
This approach helps simplify management, reduce paperwork, and often results in more competitive premiums compared to insuring each truck separately.
Other Insurances Truck Owners Should Consider
Public Liability Insurance
Public liability insurance is essential for truck operators, protecting you from third-party injury or property damage claims that can arise during daily work activities. Whether you’re a delivery driver, owner-operator, freight carrier, or part of a larger transport and logistics business, the right public liability insurance helps safeguard your livelihood.
Transit Insurance
Transit insurance protects the cargo you’re responsible for while it’s being transported, loaded, or unloaded, offering financial security if goods are damaged, stolen, or lost during the journey. This cover is essential for couriers, freight carriers, owner-drivers, delivery contractors, and businesses moving products on behalf of clients.
Types of Trucks we can insure
Prime Movers
We insure prime movers used for freight transport, logistics, construction, and haulage.
Refrigerated Trucks
We insure refrigerated trucks transporting perishable goods, food, pharmaceuticals, and temperature-sensitive cargo.
Rigid Trucks
We insure rigid trucks used for deliveries, construction, trade services, and transport.
Concrete Pumps
We are experts in insuring concrete pumping trucks used for construction, pouring, placing, and building projects.
Trailers
We insure trailers used for freight hauling, equipment transport, and logistics.
Tipper Trucks
We insure tipper trucks used for earthmoving, construction, waste, and material transport.
Table Top Trucks
We insure table top trucks used by builders, landscapers, manufacturers, couriers, suppliers, and general freight operators.
Car Carriers
We insure car carriers transporting vehicles for dealerships, auctions, logistics, and distribution.
Frequently asked questions about Truck Insurance
Your frequently asked questions, answered.
Truck insurance costs vary widely based on vehicle type, driver history, usage, location, and cover level, typically ranging from several thousand dollars annually.
Yes, truck drivers often need public liability insurance because it protects against third-party injury or property damage claims during loading, unloading, deliveries, or onsite work.
Yes, you can insure multiple trucks under a fleet insurance policy which is designed for businesses that have a lot of trucks. It simplifies management, often reduces premiums, and provides consistent, centralised cover for all vehicles.
Trailers are not always automatically covered under a truck insurance policy. Many insurers require trailers to be listed separately as its own intem.
Truck insurance may cover employees or subcontracted drivers if they’re listed or authorised to drive, but coverage varies by insurer and policy terms.
How Morgan Insurance Brokers can help insure your heavy vehicle & truck
Morgan Insurance Brokers have access to a large panel of insurers. We can provide instant quotes to protect your truck, whether it’s used privately, or for business use. Truck insurance claims are frequent and expensive. Insurance is a little peace of mind to know that your financial future is protected. Contact us today for multiple quotes from approved Australian Insurers.
Truck Insurance for Australian Operators
Morgan Insurance Brokers provides specialist truck insurance for owner drivers, fleet operators, and transport businesses operating across Australia. From metro delivery vehicles to long-haul operators travelling interstate, we arrange tailored heavy vehicle insurance solutions designed to match how your trucks are used and where they operate.
