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Need insurance for a single truck or a growing fleet? We specialise in commercial truck insurance for all vehicle types, from light rigid vans to heavy-duty prime movers.
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
What you need to know about
Need a truck insurance broker? We've got you covered.
We know insurance isn’t your full-time job—running your business is. That’s why we’ve built a process that’s simple, efficient and built around your specific needs.
When you work with us, you’re not dealing with a call centre or a one-size-fits-all provider. You’re working with experienced truck insurance brokers who take the time to understand your business operations, your routes and your revenue.
No fine print. No hidden surprises. Just practical advice and protection that does the job when it counts.
Not all truck insurance quotes are created equal. Whether you’re looking at comprehensive truck insurance, trailer cover or both, it’s critical to understand what each quote actually includes—because comparing policies without matching cover levels is like comparing apples to oranges.
Some insurers include business interruption cover as standard, while others list it as an optional extra. One might have tighter exclusions around liability. Another could limit your transit area without clearly disclosing it.
Before you compare premiums, make sure you’re comparing:
The same vehicle cover types (e.g. comprehensive vs third-party)
Inclusion or exclusion of public liability and freight cover
Whether interruption cover is standard or extra
Trailer ownership details and if trailer in control is needed
What excess and downtime support look like in real terms
This is where a truck insurance broker adds real value—we review the fine print, not just the figures.
If you work in the transport industry as an owner-driver, sub-contractor or small fleet operator, a well-rounded insurance setup typically includes:
Commercial truck insurance (comprehensive or third party)
Trailer insurance, whether owned or in control
Public liability insurance for property damage or injury claims
Carriers cargo protection, for freight you’re responsible for
Business interruption cover, to keep cash flow steady if your truck is off-road
We tailor your quote based on how you operate—your routes, cargo type, ownership model and risk profile.
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.
We broker commercial truck insurance for a wide range of transport businesses across Australia, including:
Removalist companies
Tow truck operators
Courier and last-mile delivery fleets
Linehaul and interstate freight operators
Prime mover sub-contractors
Livestock and agricultural freight carriers
Refrigerated transport operators
Tipper and dump truck contractors
Dangerous goods and fuel hauliers
Construction and civil transport providers
Crane trucks and vehicle recovery services
Owner-drivers and sole traders
Fleet-based logistics companies
Seasonal or contract-based transport operators
No matter the size or type of your operation, we take the time to understand how your business runs—what you transport, where you go and what risks you face. Then we match you with commercial truck insurance quotes from trusted Australian insurers that suit your real-world needs.
We don’t just hand over prices. We explain the policies, highlight the fine print and make sure you’re not exposed to costly gaps in cover.
A truck is more than a vehicle—it’s your business on wheels. When it stops moving, so does your income.
Let’s say you’re driving interstate. A car towing a caravan loses control ahead of you. You swerve to avoid a collision and your truck rolls down an embankment. The trailer is wrecked. Freight is scattered. A crane is required for recovery.
Without the right truck insurance and carriers protection in place, that single incident could cost you tens of thousands of dollars.
In this case, the driver had:
Comprehensive truck insurance
Trailer cover
Carriers cargo protection
Clean-up and recovery costs covered
That’s the difference between getting back on the road or going out of business.
The bottom line? If you rely on your truck to generate income, you need to protect it like any other critical asset. A quality truck insurance policy should cover not just your vehicle, but your cargo, liability, downtime and the real costs of doing business.
Yes. We’ve seen multiple cases where waivers were signed, but the driver was still held liable for damaged goods. If you’re regularly transporting freight, carriers protection is essential.
Truck insurance is priced relative to the risk that it posesses. The main contributing factors to your insurance premium are:
No.
Truck liability: Covers damage caused by the truck itself (e.g. hitting a power pole or bridge).
Public liability: Covers you during business activities like loading, quoting or working at depots.
You’ll likely need both.
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.
You can choose from:
Liability cover
Collision and comprehensive cover
Cargo and carriers protection
Trailer or trailer-in-control cover
Business interruption and downtime insurance
Towing and rental replacement options
We’ll walk you through what matters for your business and help tailor a policy that fits.
If you're running long-distance or local freight, we’ll tailor your policy to match your routes, cargo and business model. We provide truck insurance for both interstate and intrastate operations, with options for liability, downtime, and even fuel or maintenance contract support. We work closely with long and short haul operators to ensure your policy matches the real-world risks you face on the road—day in, day out.
If your business involves delivering freight by the carton, pallet or container, we’ll help you build a commercial truck insurance package that protects every part of the job. Most clients in this space require vehicle cover, public liability, and carriers cargo protection for the goods being transported. We also account for business interruption risk, helping you stay protected if a breakdown or incident delays your delivery schedule.
We also assist contractors who transport heavy machinery or equipment, such as crane trucks, flatbeds and earthmoving plant. This often involves cover not just for the truck itself, but for damage to client-owned or hired machinery in transit. We ensure your insurance meets the specific requirements of machinery transport and the increased risk of loading and operating around work sites.
Courier and parcel freight contractors often face unique challenges when it comes to insurance. High delivery volume, complex depot requirements and narrow delivery windows all increase exposure. We work with individual drivers and contractors—especially those operating under larger networks like national carriers—to arrange insurance that includes vehicle cover, cargo protection, and public liability for pickups and drop-offs. If you’ve found it hard to get proper cover as a courier, we can help.
Why should you use Priority Insurance Brokers as your Commercial Insurance Brokers for trucks?
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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.
© 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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