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Addressing Human Factors in Rising Australian Truck Insurance Claims

The Impact of Fatigue, Inattention, and Speed on Insurance Claims in the Transport Sector

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Gallagher's recent guidance for Australia's heavy vehicle sector identifies fatigue, inattention, distraction, and inappropriate speed as major contributors to truck incidents and related insurance claims.

This analysis is based on recent crash data and regulatory expectations, highlighting the need for comprehensive risk management strategies within the transport industry.

Fatigue is associated with the highest fatality rate among heavy vehicle drivers, while inattention and distraction feature prominently in incident frequency. Speed selection for conditions continues to be a significant factor in rollovers and run-off-road crashes. These human-related factors underscore the importance of implementing effective driver training programs, monitoring systems, and safety protocols to mitigate risks.

Gallagher's findings suggest that operators should examine policies, rosters, telematics, and driver health programs to address these issues. By proactively managing these human factors, transport businesses can enhance safety outcomes, reduce insurance claims, and foster a culture of responsibility and vigilance among drivers.

Published:Thursday, 4th Jun 2026
Author: Paige Estritori

Please Note: We do not endorse any specific products or companies. Some content is sourced from third parties, including press releases, and may not be independently verified for accuracy or completeness.

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1 Comment

Jaime Carter 5 Jun 2026

Fatigue being tied to the highest fatality rate doesn’t surprise me, rosters can look fine on paper but still leave drivers wrecked by the end of a run. Telematics helps, but I reckon the hard bit is getting operators to act on what it’s telling them before it turns into a claim.

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