Prime Mover Insurance
Specialist cover for prime movers, B-doubles, and road trains. We help Australian owner-operators and fleet managers find the right protection at competitive rates.
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What is Prime Mover Insurance?
Prime mover insurance provides specialised coverage for the cab unit that hauls semi-trailers across Australian roads.
Unlike standard truck insurance, it addresses the unique risks of long-haul transport, high vehicle values, and the heavy-duty nature of prime mover operations.
This insurance typically bundles commercial motor cover with goods in transit, public liability, and optional extras like hire costs and mechanical breakdown.
Why is Prime Mover Insurance necessary?
Prime movers represent a significant capital investment, often $150,000 to $300,000 or more for newer models. A single accident, theft, or fire could wipe out years of earnings without proper cover.
Beyond the vehicle itself, owner-operators face liability for cargo damage, third-party property claims, and income loss during downtime. Prime mover insurance provides the financial safety net that keeps your transport business moving.
Illustrative Example: A owner-operator's prime mover was written off after a highway collision. The $180,000 vehicle was covered, but more importantly, the policy included hire costs that kept their income flowing while they sourced a replacement. Without that cover, they would have been off the road for 8+ weeks with no income.
Prime mover insurance protects your most valuable business asset and keeps income flowing when things go wrong.
COVERAGE OPTIONS
What does Prime Mover Insurance typically cover?
Covers your prime mover against collision, theft, fire, and weather damage. Includes third party property damage liability for when you're at fault.
Protects cargo you're hauling if lost, damaged, or stolen during transport. Essential for subcontractors working under freight contracts.
Covers claims for injury or property damage caused during loading, unloading, or on-site deliveries at customer premises.
Pays for a replacement vehicle while your prime mover is off the road for repairs. Keeps your income flowing during downtime.
Policies can be customised to include mechanical breakdown, personal effects, and hire costs depending on your operational needs.
WHO NEEDS COVER
Who needs Prime Mover Insurance?
Whether you're an owner-operator with one unit or managing a fleet, specialised coverage is essential.
Owner-Operators: Single-vehicle operators pulling semi-trailers for freight companies or direct clients. Your prime mover is your livelihood.
Fleet Managers: Businesses running multiple prime movers and needing consolidated coverage with fleet discounts and centralised claims management.
Subcontractors: Drivers contracted to logistics companies like Toll, Linfox, or StarTrack who require proof of insurance before signing contracts.
Interstate Operators: Long-haul drivers crossing state lines with varying road conditions, longer distances, and higher fatigue risks.
Owner-Operators: Single-vehicle operators pulling semi-trailers for freight companies or direct clients. Your prime mover is your livelihood.
Fleet Managers: Businesses running multiple prime movers and needing consolidated coverage with fleet discounts and centralised claims management.
Subcontractors: Drivers contracted to logistics companies like Toll, Linfox, or StarTrack who require proof of insurance before signing contracts.
Interstate Operators: Long-haul drivers crossing state lines with varying road conditions, longer distances, and higher fatigue risks.
COMMON QUESTIONS
Frequently Asked Questions
Ready to protect your prime mover?
Call us on 02 9000 1155 or request a quote online. We'll compare 50+ insurers to find the right cover for your transport business.