Comprehensive Truck Insurance

FAQs

• Ok, give it to me straight: what's Drive Pack Plus truck insurance and why is it needed?

  Drive Pack Plus is specialist, commercial truck insurance designed specifically for small to medium sized businesses who rely on trucks to get the job done. Every eligible policy comes with 24/7, Australia-wide roadside assistance (so you know you'll be looked after if you break down) and Downtime Cover (regular payments to help with cash flow while your truck's being repaired).  

  For a fee, you can even add on handy extras - like Work Tools Cover to protect your kit while you're on the road, Public & Products Liability to protect your business against expensive legal claims and Goods in Transit Cover to keep your cargo safe while you're driving from A to B.  Think of it as a truck insurance policy that covers more than just your vehicle so businesses and trucks can keep moving - all day, every day.

  
  

• I know my truck's covered. But what about the driver?

  Don't worry! The driver will be just as well looked after as their truck. In fact, many of our extra benefits are for the person behind the wheel. If you've had an accident, things we can help with include the cost of a taxi to get you home, trauma counselling, transport for your family if you're hospitalised away from home and heaps more. Find out more.

• What about my tools? Are they covered under accessories?

  Not under your standard truck insurance policy, no. But, if eligible, you can easily add Work Tools Cover to your policy if you want to protect them against accidental damage and theft. It'll cover you for things like power tools, hand held equipment, laptops and mobile phones.  For the record, the term 'accessories' refers to bigger ticket items that are attached to, in or on your truck or mobile plant - like buckets, chain trenchers, rock breakers, HIAB crane arms and tailgate loaders. Check out the full list of what's included here.

• How does truck insurance work & why should I use a specialist truck insurance company? 

  While plenty of commercial motor insurance policies cover trucks, they generally treat them the same as cars. Problem is, trucks are very different to insure and repair.  They need specialist mechanics and repairs can be pretty expensive compared to your average sedan or hatchback. When the worst happens, you want to know that you're sufficiently covered and that the people fixing up your wheels really know their stuff. 

  Drive Pack Plus goes beyond just repairing your truck and covering costs related to an accident, breakdown or theft. With instalments made monthly or annually, your policy includes:

  • Comprehensive commercial motor insurance - not only for work trucks but also for trailers, plant and machinery
  • 24/7 roadside assistance if you break down, need a jumpstart or a replacement tyre
  • Downtime Cover in the form of regular payments while your truck's being fixed after an accident

  And, because we're experts in working with businesses like yours, we've thought of things that most general insurers wouldn't - it's why we offer handy add-ons like Work Tools Cover, Goods in Transit Cover and Public & Products Liability.

• What features are important when looking for truck insurance?

  Whether you're a builder, a gardener, a chippie, a plumber (or something else entirely), if you rely on your truck to get the job done you can contact a specialist truck insurance provider  like us to help you. We offer comprehensive commercial truck insurance for trucks, trailers, equipment, plant and machinery (which can include damage caused by your registered vehicle). Your policy could also include things like roadside assistance, variable excess options and priority access to specialist truck repairers, as well as pay by the month options to help with cash flow.

  Drive Pack Plus includes all of the above features and benefits, along with a range of truck-specific add-ons that general motor insurers don't typically offer.  

• How much does truck insurance cost?

  The short answer is: it varies. Your truck insurance premium depends on a few different factors - like the type of truck you drive, how much it's worth, what it's used for and where you keep it... as well as the distance you travel and the policy add-ons you select. We also take your claims history and business experience into consideration.

  To get a quick quote, use our online quoting system and we'll give you an answer in just a few clicks.

• What kind of vehicles can I insure?

  Our Drive Pack Plus truck insurance policy is pretty wide-ranging. Not only does it cover most rigid trucks and trailers, it also includes your equipment, machinery and small mobile plant items. We even insure some Prime mover operations. To find out more, give us a call. 

• What does Public & Products Liability cover?

  If you're a tradie or run a small business, chances are you'll be dealing with members of the public. So what happens if someone gets injured or their property gets damaged as a result of something you've done or products you've provided? Liability insurance covers you for compensation claims that might be made against you in these kind of situations. It includes things like your legal defence and representation costs, and the cost of settling the third party's claim (if necessary). Fingers crossed, you'll never have to use it - but it's good to know you're covered if something goes wrong.

• What's Goods in Transit insurance? Do I need it if I'm just driving a truck?

  If you use your truck to move goods, supplies or equipment from one place to another, Goods in Transit insurance can help cover you if your cargo gets damaged or even destroyed while you're on the road. It doesn't matter if it's your stuff or someone else's, if it's in your truck (and you're travelling within Australia) then you're covered against loss and accidental damage. 

• What's Work Tools Cover?

  Work Tools Cover is there to make sure the tools of your trade are protected in the event of accidental damage or theft - stuff like handheld power tools, portable electronics, and portable surveying equipment. If you regularly keep work tools in your truck, it might come in pretty handy.