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What’s included in our truck insurance?
We know that when your gear is out of action it can mean costly downtime for you and your business. We’ve designed our comprehensive truck insurance to keep your business running smoothly and get you back on the road and back to work faster.
Our cover is built to reduce disruptions, with features like emergency roadside assistance and downtime protection. That way, you can focus on what matters most — keeping your operations moving.
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Commercial Motor Cover
Comprehensive Commercial Motor insurance for trucks, trailers, mobile plant, and equipment, covering loss or damage.
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Roadside Assistance
24/7 nationwide support for breakdowns, flat batteries, towing, and other unexpected truck issues to keep you moving.
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Downtime
Reduce the financial impact of unexpected vehicle off-road time by providing compensation for lost income while your truck is being repaired.
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Public & Products Liability
Safeguards your business against costly legal claims arising from injuries or property damage caused by your operations or products.
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Goods In Transit
Protects your cargo—whether it's your own or someone else's—against accidental loss, damage, or theft while being transported within Australia.
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Work Tools
Protects your essential portable equipment—such as power tools, laptops, mobile phones, and surveying gear—against accidental damage or theft.
The Truck Assist difference
When you insure with Truck Assist, you’re getting more than just no-nonsense truck insurance. We’re backed by NTI - Australia’s largest and most trusted insurance provider for the transport, logistics and construction industries.
That means you benefit from over 50 years of expert knowledge and experience of trucks and equipment, award winning claims service and a well-established Australia-wide roadside assistance network - every single day of your cover.
Vehicles we cover
Our comprehensive truck insurance is designed for registered goods carrying vehicles with a 3.5t or more Gross Vehicle Mass (GVM) used for commercial purposes, as well as eligible trailers, equipment and machinery for small to medium sized businesses.
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Rigid Trucks
A wide range of rigid or light truck configurations keep Australian businesses in action and we cover plenty of them.
Tray or Table Top
- Pantech and Refrigerated Pantech
- Tipper
- Tautliner or Curtainsider
- Tilt Tray
- Tankers
- And more...
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Trailers
When you’ve got a little more to carry, trailers are in order. Luckily we cover a range of those too!
- Box Trailers
- Tandem Trailers
- Tradesmen Trailers
- Rigid Trailers
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Equipment & Machinery
When there’s work to be done, you call on your equipment and machinery to make it happen. We cover a broad range of the items we know you’re workin’ with.
- Excavators
- Forklifts
- Skid Steers & Bobcats
- Mini Diggers
- Telehandlers
- And more.
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Utes & Vans
Not quite a truck? If you’re working with a Ute or Van over 3.5t GVM, we can help with those too.
Standard inclusions
With Truck Assist you’ll get Commercial Motor cover for eligible trucks, trailers and equipment, plus Roadside Assistance and Downtime cover as standard.
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Motor Cover
Rest easy with Commercial Motor insurance for your trucks, trailers, mobile plant and equipment.*
Cover includes
- Loss or damage due to accident or theft
- Vehicle replacements for vehicles less than 3 years old and mobile plant less than 2 years old
- Accessories like chains, tarps, spare parts and personal belongings
- Trauma counselling
- Emergency accommodation for accidents involving motor vehicles
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Roadside Assistance
Get your truck back on the road faster with 24/7 Australia-wide roadside assistance and support from our specialist mobile truck mechanics and towing professionals.
Cover includes
- Truck Assist Roadside Assistance
- Emergency fuel delivery
- Tyre or wheel change
- Flat battery
- Lockout
- Hydraulic hose repairs
- Towing
- Message relay
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Downtime
Keep control of your cash flow with regular payments to tide you over while your gear’s out of action.
Cover includes
- Weekly payments while your truck or mobile plant gets repaired
- Customisable to suit the needs of your business
*Subject to limits and exclusions
Optional Extras
Need extra cover but don’t want to muck around arranging multiple policies? We’ve designed it so you don’t have to. Beef up your truck insurance policy and save yourself time with our Public & Products Liability, Goods in Transit or Work Tools Cover options where eligible.
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Public & Products Liability
Owning a business comes with responsibility and risk. Protect yourself from expensive legal claims with liability insurance to protect your business.
Provides cover for*:
- Personal Injury to members of the public
- Property damage to third parties
- Legal costs to defend and settle a covered claim
- Optional Consumer Protection for liabilities arising from the actions of employees for either QLD electrical work or Victorian plumbing work.
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Goods in Transit Cover
Are you transporting goods, supplies or equipment or relying on someone to move them for you? Take the pressure off with cover that offers protection during transit right across Australia.
Cover includes*:
- Accidental loss or damage
- Deliberate acts by a third party (including theft)
- Shipping containers, packaging and carriage equipment
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Work Tools Cover
Can’t do your job without the tools of your trade? From power tools to laptops, our Portable Work Tools cover means your kit’s protected.
Cover includes*:
Accidental damage and theft from locked vehicles or premises for...
- Portable Work Tools like power tools and hand held equipment
- Portable electronic work equipment like mobile phones and laptops
- Portable Surveying Equipment your business owns
*Subject to limits and exclusions
Get a quote in minutes
You’re busy. We get it. That’s why we’ve made our online quote process smooth, simple and, above all, fast. Get a truck insurance quote in less time than it takes to drink your morning coffee.
Who we’re for
From pantechs to tippers, flat decks to service bodies, we know work vehicles like no one else. Check out some of the industries we keep moving.
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Trade Services
With tailor-made truck insurance options like Work Tools cover and Public & Products Liability as well as the most reliable truck breakdown network in Australia, it’s no wonder Aussie tradies prefer Truck Assist. Find out how we can help your trade business.
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Construction
Equipment-heavy worksites… workers, vehicles and tools that are always on the move… construction firms need insurance providers they can rely on, 24/7. With Drive Pack Plus and additional Goods in Transit and Public and Products Liability options, we’ve got you and your gear covered.
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Transport
With our specialist truck service providers, Goods in Transit, Public & Products Liability and Downtime, we keep transport businesses (and your cargo) on the road, year in, year out.
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Manufacturing
Our comprehensive cover helps equipment-heavy manufacturing businesses down to the ground. With insurance & roadside assistance for your trucks, mobile equipment & machinery, Drive Pack Plus is a package deal. Find out more.
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Retail & wholesale trade
We’re purpose-built for businesses that rely on moving goods from A to B - whether that’s in the warehouse or on the road. With Drive Pack Plus and Goods in Transit cover, you can stay focused on the job at hand. Find out more.
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Small business
There’s a reason we’re the top truck insurance and roadside assistance choice for small to medium sized businesses right around Australia. Whatever sector you’re in, if you operate machinery or drive a truck, our simple, no nonsense cover can’t be beat.
Keeping Australia moving since 1971
When you take out a policy with Truck Assist, you’re getting more than just simple, no-nonsense truck insurance. We’re backed by NTI - Australia’s largest and most trusted insurance provider for transport & logistics . That means you’ll benefit from NTI’s expert knowledge, top notch service and Australia-wide roadside assistance network, every single day of your cover. It’s a win-win.
FAQs
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.