Insurance for heavy commercial vehicles

Heavy vehicle operations may involve prime movers, rigid trucks, trailers, tippers, tankers, refrigerated vehicles, specialised bodies and attachments. Cover can be arranged for individual vehicles or, where an insurer’s criteria are met, across a fleet.

Policy terms depend on the declared use, vehicle configuration, values, drivers, operating area and insurer appetite. It is important that modifications, accessories, towing arrangements, vehicle combinations and the work performed are disclosed accurately.

Points to include in a review

• Current vehicle and trailer schedules, agreed or market values and finance interests
• Types of freight, routes, overnight parking and interstate operations
• Driver employment or contracting arrangements
• Vehicle safety technology, security and incident response
• Recent claims, downtime concerns and replacement vehicle arrangements

Separate cargo and liability covers

Heavy motor insurance is distinct from goods in transit or marine cargo insurance. Liability for freight or logistics services may also require separate consideration. We can help review the motor wording alongside related covers, without assuming one policy responds to every transport loss.

For a focused review, see our pages on road freight and refrigerated transport.

Heavy vehicle and truck insurance questions

What can truck insurance cover?

Commercial truck insurance can provide selected cover for insured vehicles and, depending on the policy, liability arising from their use. The exact cover depends on the insurer, policy wording, vehicle schedule, excesses, exclusions and selected options.

What vehicles are commonly considered?

Insurers may consider rigid trucks, prime movers, trailers and other heavy commercial vehicles. For operators with multiple vehicles, a motor fleet insurance arrangement may also be relevant.

Why does the freight operation matter?

Insurers can assess factors such as vehicle type and value, radius of operation, freight carried, driver arrangements, claims experience, garaging and fleet controls. Road freight operators can also review our road freight and trucking insurance information.

Next step

Review your 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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