Compare available options for single trucks or fleets, from light rigids to prime movers, with broker support Australia wide.
Recognition
Truck insurance is commercial motor cover arranged around the vehicles, work, routes and claims profile of a transport business. Depending on the policy, it may cover accidental damage to insured vehicles and third party property damage.
Cargo, public liability, pollution, machinery breakdown, hire costs and business interruption are separate cover questions and may require additional sections or endorsements. The right structure depends on what the vehicles carry, where they travel, who drives them and the contracts the operator must satisfy.
Truck insurance can help a transport business manage the financial effect of insured accidents, theft and third party property damage claims. Whether you run a single prime mover or a fleet of rigids and trailers, the policy response depends on the scheduled assets, selected sections, limits, excesses and exclusions.
A truck breakdown or accident can halt revenue overnight. Commercial motor insurance is one risk-financing layer; cargo, public liability, pollution, machinery breakdown and downtime may require separate sections or policies.
These are illustrative risk scenarios, not promises of claim payment. The responding policy section depends on the event, insured interests, wording, limits, excesses and exclusions.
Your driver clips a parked car while reversing into a loading dock. A commercial motor policy may respond to insured vehicle damage and third party property damage, subject to its terms, excesses and exclusions.
A visitor is injured during loading. Depending on the facts and state, the response may sit under public liability, workers compensation or a statutory motor scheme; it is not automatically covered by commercial motor insurance.
A truck is stolen from the depot overnight or vandalised between runs. Comprehensive cover may respond to the insured vehicle loss, subject to security conditions, valuation basis, excesses and exclusions.
Operating commercial vehicles without adequate cover exposes your business to serious financial risk. A single liability claim or major accident can wipe out years of profit.
A tailored truck insurance policy provides protection against repair costs, property damage, and legal liabilities. Monthly payment options through premium funding can help manage cash flow under a separate finance agreement; interest, fees and approval apply, and the total cost is higher than paying annually.
Tell us how the vehicles are used and we can seek available terms, explain material differences and identify where separate cover may be needed.
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Selected comprehensive cover may respond to insured repair or replacement costs after events such as accident, fire, storm or theft.
Legal liability cover may respond to insured third party property damage caused by a scheduled vehicle.
Eligible defence and settlement costs for insured third party property damage claims, subject to the policy wording.
Optional hire-cost or interruption sections may help with qualifying downtime, subject to their terms.
Cover options reviewed against your vehicles, routes and cargo, with optional sections and material exclusions explained.
We compare available terms from multiple insurers and underwriting agencies, including price, excesses and material differences.
Commercial motor commonly addresses third party property damage. Injury exposures may instead involve statutory motor, workers compensation or public liability arrangements.
Options such as hire costs or interruption cover may help with insured downtime, subject to limits, waiting periods and exclusions.
These are some of our main truck and transport markets, not a complete panel. We select where to approach based on the vehicle, work, operating radius, goods carried, driver experience, claims history and risk controls.
NTI Truck and transport specialist 
GT Insurance Transport underwriting agency 
Pen Underwriting Transport underwriting agency 
Allianz General insurer 
QBE Commercial motor insurer Our review can include insurer appetite, vehicle values, excess structure, driver restrictions, radius and freight conditions, downtime options, liability limits and material exclusions. The best fit depends on the complete risk, not just the cheapest headline price.
If the operation also needs cargo, public and products liability, property, business interruption, management liability or cyber cover, we may use other insurers and underwriting agencies whose appetite is better suited to those exposures.
Insurer and underwriting appetite can change. Availability is subject to the information provided, underwriting approval and the terms, conditions, limits and exclusions of the policy offered.
Businesses that rely on commercial vehicles should assess the financial and contractual risks of vehicle damage, third party property damage, cargo loss and downtime, then decide which risks to insure.
Line haul and distribution operators moving general freight between depots and distribution centres.
Metro and last mile delivery fleets, from a single van to a mixed light fleet.
Tippers, crane trucks and vehicles supporting site work and materials cartage.
Farm trucks and seasonal cartage, from livestock to grain and produce.
Cold chain operators where the fridge unit and the cargo need their own cover.
Trucks with mounted plant such as cranes, EWPs and vacuum units.
ADG-regulated carriage where pollution liability and compliance arrangements need specific review.
A company expanding its truck fleet across multiple states asked us to review commercial motor and business interruption options for its food logistics operation. We arranged a multi-vehicle policy for the scheduled trucks across four states, with terms based on the disclosed operation.
The resultOne multi-state fleet policy covering trucks across four states.
A single operator running his own logistics business came to us at renewal facing a premium increase from the incumbent insurer. We reviewed the market and arranged an alternative quote for terms we assessed as broadly comparable.
The resultPremium 15% lower than the renewal offered, for broadly comparable cover.
Depending on your policy, truck insurance can include a range of protections tailored to your specific vehicle types and operational risks.
We help you build a package that fits your business. Not a one size fits all policy, but cover matched to how you actually operate. For configuration specific detail, see our guides to refrigerated, concrete and tow truck insurance, or fleet insurance if you run multiple vehicles.
Options may include accident damage, fire, theft and storm for correctly scheduled rigids, prime movers and trailers.
Third party property damage arising from insured vehicle use. Injury liabilities may sit under separate statutory or liability arrangements.
Extras matched to how you run: hire costs, downtime cover and expanded liability limits.
Light rigids through to B-doubles, road trains and specialist bodies.
When a truck is off the road, you are losing money. Where the relevant sections are selected, a policy may cover both the repair costs and qualifying downtime, subject to limits, waiting periods and exclusions.
Vehicle damage cover may respond to repairs or replacement. Business interruption or hire-cost sections may offset qualifying lost revenue during downtime, subject to their terms. Together, they can reduce the cash-flow impact of a disruption.
This dual protection is especially important for smaller operators where a single vehicle being out of service has a direct impact on revenue.
Commercial motor commonly addresses third party property damage caused by insured vehicle use. Personal injury can instead involve compulsory third party or other statutory motor schemes, workers compensation, or public liability, depending on the facts and jurisdiction.
Loading, unloading, roadside work and site operations can sit across different policies. Check the boundaries, limits and exclusions before relying on any one liability section.
Every configuration carries its own risks, wordings and underwriting questions. Start with the guide that matches your operation.
Cover for prime movers and the trailers, freight and contracts that ride behind them.
How composite rating, loss ratios and a single renewal work once you run multiple trucks.
Agitators and pump trucks: mounted equipment, pour liability and downtime.
Cold-chain cover: the fridge unit, cargo deterioration and refrigeration breakdown.
Tow and tilt tray operators: on-hook liability, roadside recovery and yard exposure.
Dangerous goods carriage: pollution liability, ADG compliance and specialist markets.
Tippers on civil and quarry work: raised-body incidents, hoists and ground risk.
B-doubles and road trains: high-value combinations, fatigue rules and long-haul routes.
Trailers as assets in their own right: schedules, interchange and non-owned trailer risk.
Light, medium and heavy rigids: why the body and the work decide the cover.
Truck insurance typically covers accidental damage, theft, malicious damage, and legal liability for third party property damage. Some policies also include business interruption cover. The specifics depend on your insurer and policy terms, so review them carefully or speak with us to clarify what is included.
Contact Tank Insurance. We assess your business requirements, including vehicle types, cargo, and routes, then source quotes from multiple insurers. The initial process takes just a few minutes.
Premium funding may let eligible businesses pay an annual premium by instalments under a separate finance agreement. Interest, fees, approval and other terms apply, and the total amount paid is generally higher than paying the annual premium upfront. Ask us for the available terms and total cost before deciding.
Dangerous-goods carriage usually needs specialist disclosure and may require separate pollution, clean-up, public liability or cargo arrangements. The correct structure depends on the DG classes, quantities, routes, contracts and licensing. Cover is not automatic, so confirm the policy sections and endorsements before carrying hazardous materials.
Premiums depend on factors including vehicle type and number, gross vehicle mass, carrying capacity, the nature of goods transported, your location, and your claims history. We assess these factors to provide quotes tailored to your operation.
Generally, yes - cover for light trucks and mobile plant operations is available subject to insurer appetite and the disclosed use. The policy terms depend on how the vehicle is used and the associated risks. Discuss your setup with us and we can source available options.
Contact us as soon as possible. We guide you through the claims process, help you gather the required documentation, and liaise with the insurer on your behalf. Acting quickly helps ensure a smoother resolution.
Start by understanding your specific needs: what vehicles you operate, what you transport, and where you travel. We analyse your requirements and source options from multiple insurers, so you can compare cover against how you actually operate rather than accepting a generic policy.
Speak with our truck insurance team today for options matched to your operation and quotes that keep your fleet moving.
Expert Review: 08/08/2026
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