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Whether you are a new business in need of commercial truck insurance or you already have a policy and are seeking better options, we’ve got you covered. Our primary focus is to provide you with a perfect balance of competitive pricing and extensive coverage specifically tailored for commercial trucks.
Gone are the days of spending endless hours searching for insurance quotes for your trucks. We take care of that for you. As experts in commercial vehicle insurance, we compare multiple quotes related to commercial truck insurance, ensuring you receive the most competitive and comprehensive options right from the start.
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Commercial Insurance For trucks is designed to cover all commercial use trucks from a ute/van to prime movers along with their trailers. As commercial insurance brokers, we understand how trucking companies are required to operate and the national transport insurance cover that is needed to ensure that you’re not left stranded with significant costs should a loss occur.
Commercial insurance policies for trucks can either be a packaged policy or just cover for the vehicle itself. We always aim to have a discussion with our clients before we provide you with an insurance quote as there are various sections of cover that you need to consider.
We understand that while the wheels aren’t moving, there’s a good chance the truck is costing you money.
What is a commercial insurance package for tucks?
A commercial insurance package for trucks is usually a policy placed with one insurer or having multiple policies that cover you risks as a truck driver. During our discussions, we will usually ask you:
This allows us to put an insurance package specially for trucks together to ensure that all avenues are covered and your loss can be minimised in the event of a claim. If you are contracted to carting goods for your clients than in the event of a large loss you could be looking at one or all of the following:
Why should you use Priority Insurance Brokers as your Commercial Insurance Brokers for trucks?
Stop paying more for insurance, get a quote now.
A truck driver was driving interstate when a car towing a caravan suddenly lost control causing the truck driver to swerve off the road.
The truck rolled down an embankment beside the highway where a crane was required to recover the truck. The freight inside the trailer was also damaged and scattered across the road and the embankment.
The truck driver had both insurance for trucks and carriers protection where the truck, trailer and goods inside were covered along with the clean up and recovery costs.
A truck is essentially a business on wheels and it needs to be treated that way. If the wheels stop turning than there is a good chance that either you’re having a nice holiday somewhere or you’re losing money.
It’s important that you understand how an insurance policy for tuck works and what cover can be put in place to prevent any costly surprises occurring.
We understand that running a business takes a lot of work and as a business owner you’re expected to be across all of the different aspects of your business operation.
We have tried to make our insurance process as simple as possible and all of our truck insurance brokers work with each business owner to have a strong understanding of your business and what’s required to be in place to ensure that there are no nasty surprises. We pride ourselves on not hiding behind the fine print.
We have been involved in multiple claims where a waiver was signed however, the truck driver was still found to be liable for the goods. If you are regularly carrying freight than we always recommend you have some form of carriers protection on your truck insurance policy.
Truck insurance is priced relative to the risk that it posesses. The main contributing factors to your insurance premium are:
No, they are different. The liability section that is included under a truck insurance policy is only referring to the liability of your truck. This is designed to cover you should you bring down a power pole, hit an overpass bridge or cause other damage with your truck.
Truck insurance is a type of vehicle insurance specifically designed for trucks. Truck insurance typically covers the same types of perils as standard auto insurance, but may also include coverage for things like cargo loss or damage. Because trucks are generally larger and heavier than passenger vehicles, they can cause more damage in an accident, so it’s important to have adequate protection in place.
The cost of truck insurance will vary depending on a number of factors, including the type of truck you drive, your driving history, and the amount of coverage you need. In general, however, you can expect to pay more for truck insurance than you would for standard auto insurance.
With the current market how it is, we strongly recommend that all truck insurance policies should have this section included. This is mainly due to the current wait times on equipment, trucks and parts. If this isn’t included in your cover than there will be no payment made to you while the truck is waiting for repairs to take place. In some circumstances, it’s taking upwards of 6 months for the delivery of a new truck.
As soon as you hold a financial interest in the truck you should consider putting a truck insurance policy in place. A truck is an asset to your business and as such should be treated like one with the appropriate protection.
Most truck insurance policies will be written as either a sum insured or market value which ever is the lesser. You can also insure for an agreed value. You should always insure for the realistic replacement value as if you under insure the truck and list this as your sum insured the insurer will only pay you the lesser amount even if the market value comes in higher than the sum insured.
There are a number of different types of truck insurance coverage available, including liability, collision, and comprehensive. You can also purchase additional protection for things like cargo loss or damage, towing, and rental reimbursement. Talk to Priority today about the needs of your business and we’ll help you determine what types of coverage are right for you.
Whether you have comprehensive insurance or commercial trailer insurance or both, it’s important to know the best way to compare insurance for trucks quotes.
We all know the saying about comparing apples and oranges and in this situation its no different.
When you are wanting to compare insurance quotes make sure that your commercial truck insurance quote offers the same level of cover between the different insurers.
For example, some insurance quotes for tucks will include interruption cover where others will consider it as an optional extra.
If you are in the transport industry as an owner driver or contractor than we recommend you considering having; commercial truck and trailer insurance (if required), public liability insurance, carriers protection to cover freight being carried and interruption cover if you rely on your truck for the income it generates.
Our truck insurance brokers work with a range of trucking companies and customers that we frequently work with are
We also have a range of public liability insurance, cargo insurance and Australia wide transit cover options that are available. All of our policies are directly tailored to your requirements. One of our truck insurance brokers will discuss your business with you and ensure that the policies cover each aspect of your business. We engage with insurers to receive a wide range of truck insurance quotes and provide you with risk management advice to have reduce the impact of a potential claim.
Commercial trailer insurance can be insured through two simple methods.
The way that you insure your commercial trailer depends on whether you own the trailer or not.
You can either have your commercial trailer insurance included with your truck insurance or you can have a trailer in control cover added.
If you have the trailer in control cover this means that you don’t own the trailer however, you are liable for the damages if something was to occur.
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Our commercial truck insurance brokers work with a number of insurers however, we recommend the below insurers as they provide the perfect balance for most of our clients between providing comprehensive insurance solutions at affordable prices along with tailored cover specific to trucking companies and owner drivers.
Brisbane: Suite 4218, 9/204 Alice Street, Brisbane, QLD, 4000
Sydney: Suite 3040, 903/50 Clarence Street, Sydney, NSW, 2000
Melbourne: Suite 4421, 805/220 Collins Street, Melbourne, VIC, 3000
Adelaide: Suite 3771, 3/55 Gawler Place, Adelaide, SA, 5000
Perth: Suite 3458, 202/37 Barrack Street Perth, WA 6000
© 2023 Priority Insurance Brokers. All Rights Reserved. | DCSX Group Pty Ltd T/As Priority Insurance Brokers | ABN 95 655 563 616 | ACN 655 563 616 | CAR 1295220 Authorised representative of Community Broker Network Pty Ltd | AFSL 233750 | ACN 096 916 184
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