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Truck Insurance Cover For Heavy Vehicles & Fleets

Protecting your livelihood on the road starts with the right truck insurance. At truck-cover.com.au, we help Australian drivers, owner-operators and fleets compare truck insurance Australia wide, so you can match cover to your vehicles, routes and contracts. Explore options for prime movers, rigids, trailers and light commercial vehicles, and understand how premiums, excesses and benefits work before you commit, with clear information at every step.
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All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

Truck insurance in Australia made clear

Whether you run a single truck or a growing fleet, choosing suitable commercial truck insurance can feel time-consuming. We focus on clarity, explaining your options in plain language so you can balance cost, cover and downtime risk with confidence.

Use this site to learn how commercial truck insurance, heavy vehicle insurance and owner-operator truck insurance work, then request tailored truck insurance quotes from brokers and insurers in our referral network. Our broker partners aim to provide competitive options from the insurers they work with, but we do not compare every product or provider in the market and cannot guarantee the lowest price or best outcome for your circumstances. We act solely as an introducer and do not provide financial product advice or arrange insurance; any quotes, recommendations or assistance are provided by licensed third-party brokers or advisers. You will also find practical guides, tools and news to support your decisions.

Compare truck insurance quotes across Australia

  • See a range of options: Compare policies from multiple truck insurers in Australia in one place, drawn from insurers and brokers in our referral network rather than the whole market.
  • Match cover to your work: Consider distance, load type, depot location and contract requirements.
  • Balance price and protection: We provide general information about how excesses, limits and inclusions can affect premiums.
  • Simple next steps: Move from research to a personalised quote when you are ready.

Choosing the right cover for your truck

Understand the general differences between comprehensive vs third-party truck insurance to help you discuss cover that suits your risk profile and budget with a licensed broker or adviser.

From owner-operator truck insurance through to fleet truck insurance, policy types and options can vary widely. Our articles outline general features of cover for damage to your own vehicle, liability to others, downtime benefits and accessories such as refrigeration units or trailers.

Start with our in-depth guides on how to compare truck insurance policies, then speak with a broker or provider knowing which features matter most to your operation.

Managing and reducing your truck insurance premiums

Small changes to how you manage vehicles, drivers and risk can have a noticeable impact on what you pay for cover.

  • Review sums insured and make sure they reflect the current value of each heavy vehicle.
  • Consider higher excesses where appropriate to reduce ongoing premium costs.
  • Implement safety, maintenance and driver training programs that insurers may reward.
  • Bundle commercial truck insurance with other transport or logistics insurance where suitable.

Use our tools to explore scenarios and understand the trade-offs between premium levels and potential out-of-pocket costs.

Truck Cover Australia Weekly Insurance News Wrap

Podcast Cover Image Paige Estritori recaps the week for Australian truck operators: NHVRs Bruce Highway blitz finds about 30% non‑compliance, highlighting fatigue and maintenance risks; insured losses hit about $3.5b in 2025 with hail driving costs, prompting cover reviews; Scanias L‑series scores five stars with Euro NCAP, underscoring the value of active safety; and hybrid and electric truck uptake grows from a low base, with policy and repair readiness key. Practical tips focus on compliance, fit‑for‑risk cover, safety options, and ensuring networks can repair newer drivetrains.

Listen to this week's episode >>

Steps to streamline claims and help limit downtime

  1. Prepare before an incident: Keep driver, vehicle and finance details accessible, plus photos of your truck and key accessories.
  2. Document the event: Gather information, witness details and images at the scene where safe to do so.
  3. Follow up: Work with your insurer or broker to track repairs, excess payments and any hire-vehicle benefits.

Truck-cover.com.au also keeps you informed about regulatory changes and market shifts that affect transport and logistics insurance, from fatigue laws through to changes in heavy vehicle insurance underwriting.

Stay informed about truck insurance Australia

Staying up to date helps you avoid gaps in cover and spot new opportunities to adjust your policy, especially if your routes, contracts or fleet size change.

Industry news, regulations and insurer updates

Follow developments that influence commercial truck insurance and transport risk.

  • Updates on truck insurance requirements in Australia for different vehicle classes.
  • Changes to road, fatigue and freight regulations that may affect cover conditions.
  • Insights into how claims trends can influence heavy vehicle insurance pricing.

Visit our news hub regularly to stay across changes that could affect your premiums, cover scope or claims experience.

Resources for owner-operators and fleets

Access practical checklists, calculators and articles tailored to different stages of your trucking business.

  1. New to the industry? Learn the basics of owner-operator truck insurance and start-up considerations.
  2. Growing your fleet? Explore options for fleet truck insurance and centralised policy management.
  3. Reviewing cover? Work through step-by-step guides before renewing or switching insurers.

Insurance News

Heightened Road Risks During Holiday Season: Insurers Issue Warnings
Heightened Road Risks During Holiday Season: Insurers Issue Warnings
20 Jan 2026: Paige Estritori
As the Australian summer school holidays coincide with peak freight activity, insurers and transport specialists are raising concerns about heightened road risks. The surge in freight traffic, coupled with increased holiday travel, amplifies the potential for road incidents, particularly involving heavy vehicles. - read more
Insuregroup's Remarkable Growth in Truck Insurance Policies
Insuregroup's Remarkable Growth in Truck Insurance Policies
20 Jan 2026: Paige Estritori
Insuregroup, a specialist insurance brokerage serving Australia's transport and logistics sector, has recently announced a significant milestone: processing over 10,000 insurance policies since its inception, with a 25% increase in policy volume over the past year. This growth underscores the escalating demand for comprehensive truck insurance solutions tailored to the unique needs of Australian freight operators. - read more
NTARC Report Identifies Inattention and Speed as Primary Factors in Major Truck Crashes
NTARC Report Identifies Inattention and Speed as Primary Factors in Major Truck Crashes
20 Jan 2026: Paige Estritori
The National Truck Accident Research Centre (NTARC) has released its latest Major Incident Investigation Report, shedding light on the predominant causes of significant truck crashes across Australia. The findings reveal that human factors, particularly inattention, distraction, and inappropriate speed, continue to be the leading contributors to these incidents. - read more
Queensland Integrates Heavy Vehicle Compliance with National Regulator
Queensland Integrates Heavy Vehicle Compliance with National Regulator
12 Jan 2026: Paige Estritori
In a significant move towards regulatory uniformity, Queensland has transitioned its heavy vehicle compliance responsibilities to the National Heavy Vehicle Regulator (NHVR). This change, effective from February 19, 2024, positions Queensland alongside New South Wales, South Australia, Victoria, Tasmania, and the Australian Capital Territory in adopting a cohesive approach to heavy vehicle oversight. - read more
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Truck Insurance Articles

Tips to Cut Your Truck Insurance Costs
Tips to Cut Your Truck Insurance Costs
Welcome to our guide on cutting truck insurance costs! Truck insurance is a must-have for fleet managers, but it can be expensive. This article will explore ways to make it more affordable while ensuring your trucks are adequately covered. - read more
5 Tips for Truck Owners to Navigate the Insurance Claims Process
5 Tips for Truck Owners to Navigate the Insurance Claims Process
Welcome to our comprehensive guide on navigating the insurance claims process as a truck owner in Australia. We understand that owning and operating a truck comes with unique challenges, and managing insurance claims effectively is one of them. This article aims to equip you with essential tips and knowledge to ease the claims process, potentially saving you time and money. - read more
Decoding Insurance Jargon: Essential Terms Every Truck Owner-Operator Should Know
Decoding Insurance Jargon: Essential Terms Every Truck Owner-Operator Should Know
Insurance is a critical aspect of owning and operating a truck in Australia. Navigating through the complex terms and conditions in insurance policies can be daunting, yet understanding this jargon is crucial. - read more
The Essential Checklist for Quick Truck Insurance Claims Processing
The Essential Checklist for Quick Truck Insurance Claims Processing
In the world of trucking, understanding the ins and outs of insurance is crucial. Jargon and complex terms can be daunting, yet they hold the key to ensuring your claims are processed smoothly and efficiently. - read more

Knowledgebase
Replacement Cost:
The amount it would cost to replace or rebuild an insured asset with one of similar kind and quality, without depreciation.

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