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Refrigerated Truck Insurance

Truck freezer units, pound for pound, are generally the most expensive equipment fitted to trucks, and are in high demand from a distribution point of view. With walls constructed like a fiberglass foam sandwich, this strong construction ensures temperature control below freezing and contributes to an excellent quality control truck transport delivery.

Truck chiller units fitted to trucks ensure that product is transported in a chilled environment and do not require the type of foam sandwich insulation as those needed for freezing. The most common chillers can be found in Tautliners and contribute to quality deliveries for farm produce, packaged milk and the like.

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Bus and Coach Transport Insurance

Bus and Coach Transport Insurance

Because of ongoing enquiries from the Bus and Coach Transport sector, Truck Insurance Australia has introduced another speciality area into our transport insurance portfolio. Bus and coach transport insurance will play a pivotal role in supplying  a wide variety of insurances to this transport insurance sector, via the resources of  Truck Insurance Australia.

Key Bus and Coach Transport products include: *Business Interruption *Workers’ Compensation *Directors’ and Officers’ Liability Insurance.

Full Motor Fleet Policy Cover for Bus and Coach

*Emergency transport *Hire costs *Temporary repairs to your vehicle *Replacement of buses/coaches if a total loss*Third party property damage *Supplementary bodily injury Finance *Automatic cover for new buses and coaches *Optional agreed value *Nil excess

Depot and Liability Insurance

  • Passenger baggage cover
  • Care custody and control limit
  • Accidental damage cover

Compulsory Third Party (CTP) Insurance For Bus and Coach operators based in Queensland and New South Wales

For bus and coach insurance quotes …. click here


Truck Insurance Explained

Who is a potential candidate for truck insurance?
Whether you are an owner driver or your business operates a fleet of heavy trucks, you’ll need to carry insurance for the vehicle. Truck insurance can protect against loss of your heavy truck and pay for damage to the load it is carrying as well as people, vehicles and property injured in the event of an accident.

What typically does a truck insurance policy cover?
Typical Heavy truck insurance covers replacement of a new truck within the first two years. It may also cover signwriting, artwork and other accessories like gates and chains on the truck, and to clean up a load after an accident. Trailers that are not owned may be covered by a comprehensive policy, typically up to $50,000. Liability, whether packaged with comprehensive or purchased on its own, typically covers personal injury and damage, including load damage, up to $25-30 million.

What typically does a truck insurance policy not cover?
The standard comprehensive policy does not typically provide good cover for dangerous or hazardous goods, offering a very small $250,000-$1 million. Also, some insurance companies only cover non-owned trailers for liability, not comprehensive. This can leave you responsible to pay for the loss out of your own pocket if the trailer is stolen, damaged or lost.

Additional insurance products
There are many additional products you will want to ask about, depending on what you haul. For example, if you offer earthmoving services, you’ll want to obtain special coverage for that activity. You may also want to look into down-time insurance, to help cover income loss during times of slow business. If you have a fleet, additional insurance is available to cover other vehicles and heavy equipment necessary to keep your fleet and the goods you carry moving, such as forklifts and cranes.

Additional coverage for a truck insurance policy
If you’re carrying hazardous goods or materials, make sure you have extra coverage beyond the small dollar amounts on your comprehensive policy. Some insurers offer options such as cover for legal costs related to an accident, employer indemnity, extra liability coverage for leased property, cover for non-standard accessories, and payment of your truck finance bill in the event of an accident that results in total loss of your vehicle.

What will truck insurance typically cost?
The cost for truck insurance depends on several factors: the size, weight and age of the truck, the typical distance the truck is travelling, and what it is typically carrying. Insurance policies differ in price from company to company, so allowing our brokers the time to research what’s offered will help save you money while getting the best coverage possible.

Additional insurance products
There are many additional products you will want to ask about, depending on what you haul. For example, if you offer earthmoving services, you’ll want to obtain special coverage for that activity. You may also want to look into down-time insurance, to help cover income loss during times when you are off the road following an accident . If you have a fleet, additional insurance is available to cover other vehicles and heavy equipment necessary to keep your fleet and the goods you carry moving, such as forklifts and cranes.

  • Depot Liability
  • Professional Indemnity
  • Work Cover
  • Life Cover
  • Income Protection
  • Office Fire and Accidental Damage
  • Transit or Marine
  • Machinery Breakdown
  • Mine Site Liability
  • Management Liability
  • Directors and Officers Exposure
  • EPA Environmental Protection Agencies Costs
  • Fire Brigade
  • Lease Gap Covers

Additional coverage for a truck insurance policy
If you’re carrying hazardous goods or materials, make sure you have extra coverage beyond the small dollar amounts on your comprehensive policy. Some insurers offer options such as cover for legal costs related to an accident, employer indemnity, extra liability coverage for leased property, cover for non-standard accessories, and payment of your truck finance bill in the event of an accident that results in total loss of your vehicle.

What will truck insurance typically cost?
Every Risk is different – The cost for truck insurance depends on several factors: the size, weight and age of the truck, the typical distance the truck is travelling, and what it is typically carrying. Insurance policies differ in price from company to company, so allowing our brokers the time to research what’s offered will help save you money while getting the best coverage possible.

Want a Truck Insurance Quote? Click here

 

Truck Insurance Types

 

Truck Insurance can be arranged within the following industries:

Building Industry,Bulk Hazardous,Coal Haulage,Concrete Industry,Shipping Containers,Earthmoving Equipment,Furniture Carriers,General Carriers,Livestock Transport,Logging and Forrestry,Bus and Coach,Refrigerated Transport,Tipper Trucks,Tow Trucks,Vehicle Transporters,Waste Disposal.

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Marine Cargo Insurance

Marine Cargo Insurance is a must have if you work the waterfront

Truck Insurance Australia specialises in Truck and Transport Insurance and is quickly becoming the Truck Insurance specialists in the National Transport Industry.

If you specialise in ship container transit, marine cargo insurance will be a must for you as a truck fleet owner or truck owner driver

As an owner operator or a truck fleet operator, you can rely on Truck Insurance Australia.

Get an online Truck Insurance quote. Click the link... Truck Insurance Quote

 

 

Truck Insurance Premium Funding

Premium Funding allows you to control cash flow easier

 

Truck Insurance Premium Funding allows you to spread your insurance premiums by paying regular instalments giving you a better cash flow for your business. *Freeing up your working capital for other income-generating opportunities

*It won’t interfere with current finance facilities, eg. bank overdrafts

*Your Interest repayments are tax deductible

*A non-bank lender with a long history in premium funding

We will source the most competitive funding option available to you on the day

Click here for a Truck Insurance Quote

Truck Insurance Cover

A Truck Insurance Policy is a legal document

There are ‘Transport Insurance‘ pitfalls that you should be aware of when seeking the ‘right truck insurance‘ and you should deal with a dedicated Truck Insurance Broker.

Things you should look for when looking for truck insurance:

*The insurer and their agreements *Words with special meanings *Cooling off periods and cancellation rights *Privacy Agreement *Disputes *Duty of Disclosure * General Insurance Code of Practice *Effects of Taxation

Conditions of Cover include: *What the insurer will cover*What the Insurer will not Cover *Additional benefits including optional covers *Claims and how any excess will apply *What liabilities you are covered for *How GST applies to you and your business *Any general conditions of the insurance policy.

A cheap premium does not mean you have the ‘right’ insurance. It could mean that you do not have the ‘correct’ insurance for your needs.

For a truck insurance brokers quoteclick here


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