Cover for vehicles and mobile equipment

Civil and transport businesses may own or hire trucks, trailers, earthmoving equipment, forklifts, attachments and specialist mobile plant. The right policy depends on whether equipment is registered for road use, how it is moved and operated, and the insurance terms available.

Road-registered vehicles, mobile plant, hired equipment and machinery can fall under different policy sections or separate policies. Values, accessories, modifications, locations, operating conditions and use away from the insured’s premises should be described accurately.

Items to review

• Equipment schedule, replacement values and ownership or finance interests
• Road use, site use, loading and unloading and transport between sites
• Hired-in plant and contractual insurance requirements
• Operator arrangements, security, claims and breakdown exposure
• Liability covers relevant to the business activities

Policy conditions, exclusions and sub-limits vary. Insurance considerations include the available motor and plant terms and explain where separate cover may be relevant.

Civil plant and mobile equipment insurance questions

What types of mobile plant can be insured?

Depending on insurer appetite and policy terms, cover may be available for excavators, loaders, skid steers, graders, rollers, cranes and other mobile or self-propelled equipment used by construction, civil and contracting businesses.

Is mobile plant insurance the same as truck insurance?

Not necessarily. Registered vehicles used primarily on roads may be insured differently from mobile plant and equipment used mainly on worksites. Some businesses need both commercial motor and plant insurance within the wider insurance program.

What information may plant insurers require?

Insurers may consider equipment types and values, age, use, operating locations, attachments, road registration, hired-in equipment, security, storage, operator arrangements and claims history.

Can plant attachments and accessories be insured?

Attachments and accessories may be insurable where they are properly declared and fall within the policy terms. Schedules should accurately identify significant equipment and values.

Next step

Review your plant and motor insurance program

Tell us about your vehicles, drivers, operating areas and current insurance. We can help identify the information insurers need to consider terms for your business.

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