Transport Insurance policies provides protection for most types Trucks and Trailers in the transport industry. These includes:
Trucks:
- Prime Movers (Articulated vehicles)
- Rigids (Comprises of one complete chassis, not articulated)
Trailers:
- Flap top
- Dry Freight Van
- Refrigerated Van
- Hanging Meat
- Tanker
- Tautliner
- Low Loader
- Drop Frame
- Skeletal
- Dog Trailer
- Pig Trailer
- Dog/Super Dog Tipping Trailer
There are several industry specific polices available to cover the various exposures. In general terms, these include:
- Trucks/ Trailers Insurance
- Commercial Business (Depot) Insurance
- Public (General) & Products Liability Insurance
- Carriers Liability Insurance
Request a quote from Optimum Insurance today
To obtain a quotation, you can:
- Call on 1300 739 861 to discuss your enquiry with one of our advisers.
- Send an email to service@optimuminsurance.com.au
- Complete the following enquiry form and return by fax, post or email.
Download: Transport including Liability Insurance Questionnaire
We will come back to you with a quotation as soon as possible (in most cases with in 2 - 5 business days). If you would like to discuss your specific needs, please don’t hesitate to Contact Us.
An overview of general policy coverage available
Material Damage
Covers your vehicle/s against loss or damage and/or third party property damage Material Damage sudden and unexpected physical damage or destruction of a Truck or Trailer. (Including Fire, Theft, Malicious Damage).
Road Risk Liability
Third Party Liability for Personal Injury and/or Property Damage of a registered vehicle. (This can also extend to road vehicles with temporary road permits, if agreed with insurer.)
You also should consider the policy features and benefits, as these vary from insurer to insurer and some are not automatically covered or have a sub-limit. These include but are not limited to:
- Accessories/ Tools (that haven’t been notified)
- Repatriation of Vehicle Sub Limit
- Towing Costs Sub Limit
- Removal of Debris Sub Limit
- Driver Restrictions & Limitations (e.g. limited to drivers over 25 yrs etc)
- Radius Restrictions (e.g. 250km etc)
- Hazardeous Goods Limitation or Exclusion
- Additions/Deletions of new Trucks/Trailers during the policy period
Insurers Policy Wordings
Each insurance company has their own policy wording, this means that coverage can vary considerably from one insurer to another. It is important that you compare each policy based on the appropriateness of cover for your individual business needs.