Heavy Vehicle Insurance

Heavy Vehicle Insurance covers trucks and other heavy vehicles used in your business, against accident, theft, and damage. We arrange cover structured around the specific risks and regulatory requirements heavy vehicles carry.

Heavy Vehicle Insurance Covers the Trucks Your Business Relies On

Heavy Vehicle Insurance covers trucks, prime movers, trailers, and other heavy vehicles against accident, fire, theft, and damage, and can extend to cover third-party property damage and injury arising from their use. It's structured specifically for heavy vehicles, which carry different risks and regulatory requirements than standard passenger or light commercial vehicles.

Cover can include the vehicle, attached trailers, and goods in transit where relevant, and needs to reflect chain of responsibility and other heavy vehicle regulatory obligations. We help you set up a policy that matches your fleet and how it's used.

Which Sectors Often Need Heavy Vehicle Insurance

These are the sectors where Heavy Vehicle Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

• Mining & Resources

• Transport & Logistics

• Agriculture & Primary Production

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What You'll Need for a Heavy Vehicle Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation

Vehicle List

A list of the heavy vehicles you want insured, including make, model, year, registration and configuration.

Usage & Routes

How the vehicles are used, including typical routes, loads carried, and any interstate travel.

Driver Details

Details of who drives each vehicle, including licence class and relevant driving history.

Claims History

The details of any claims made in the past 5 years.

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How Heavy Vehicle Insurance Differs From Related Products

Heavy Vehicle vs. Commercial Motor Fleet

Commercial Motor Fleet typically covers standard business vehicles such as cars, vans, and utes. Heavy Vehicle Insurance is structured specifically for trucks and other heavy vehicles, which carry different risks and regulatory requirements.

Heavy Vehicle vs. Marine & Cargo

Heavy Vehicle Insurance covers the vehicle itself. Marine & Cargo covers the goods being carried, which may need separate cover regardless of which vehicle transports them.

Heavy Vehicle vs. Plant & Machinery (Mobile)

Heavy Vehicle Insurance covers registered, road-going heavy vehicles. Plant & Machinery (Mobile) covers mobile plant such as excavators or cranes, which often isn't registered for road use.

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