1
Tell us about the work
Five questions about the vehicle, fleet size, main work, special activities and how you want to arrange cover. Mining work has one follow-up.
What are you running?
An owner-driver business
One work truck, with cover that reflects the jobs you take on.
A transport fleet
Trucks and trailers, including mixed fleets with lighter vehicles.
Specialist transport
Refrigerated freight, livestock, tippers or vehicle recovery.
Crane or plant work
Check cover while travelling, operating and hired out.
Why the work matters
A truck carrying parcels and a truck operating a crane may need different cover. The vehicle description alone does not tell the insurer what happens on a working day.
This comparison is for commercial vehicles in Australia. It brings together transport specialists, commercial motor insurers and a plant specialist. For a private or vintage hobby truck, ask about enthusiast vehicle cover separately.
We compare a selected panel, not the whole market. NTI and Truck Assist share CGU and Vero underwriting capacity. UAA uses QBE capacity for its plant product. Different brands do not always mean different insurers.
What to have ready for a quote
- Vehicle and trailer details, including attachments and values
- Driver ages, licences and relevant experience
- Cargo, operating area and any mining, dangerous goods or hire work
- Claims history and any contracts that set insurance requirements
- The cover you need for the truck, goods, liability and downtime
How Specialist Compare works
2
Review the providers
See providers ordered by the details we can verify, with a reason for each result. Acceptance is for the provider to confirm.
3
Choose who to contact
Visit a provider or speak with a broker. We do not collect contact details in the quiz or send your answers to providers.
What affects a truck insurance quote?
We do not compare premiums. Give each provider the same details so you can compare their quotes fairly.
Vehicles and values
Include trailers, attached equipment and the basis on which each item is valued.
Drivers and work
Experience, cargo and operating area help the provider assess the risk.
Cover and excesses
Compare what is included and what you would pay towards a claim.
Check each part of the cover
Commercial motor
Damage to the insured vehicle and liability for damage it causes to other property, depending on the cover selected.
Goods and carriers cover
A separate question from damage to the truck. Check whose goods are covered and on what basis.
Business liability
Check liability from the work itself, including activities away from the road.
Downtime
Some products offer payments after an insured vehicle claim. Check the trigger, waiting period and payment limit.
Benefits depend on the product, the sections selected and the policy schedule. Read the PDS or wording, including exclusions.
Truck insurance guides
What does truck insurance cover?Insuring the truck does not automatically insure everything your business does.Owner-driver vs fleet truck insuranceThe number of vehicles helps identify a route to cover. It does not decide acceptance on its own.Insuring tippers, refrigerated trucks and cranesTell the provider about the operation, not just the truck body.Truck insurance: drivers, cargo and mining workA provider can ask for more information, change the terms or decline a risk. Those are different outcomes.
Truck insurance FAQs
Do you compare truck insurance prices?
No. We show providers to consider from a selected panel. Quotes and acceptance come from the provider or broker.
Are these six separate insurers?
No. Truck Assist is an NTI brand, with the same CGU and Vero underwriting capacity as NTI. UAA uses QBE for its specialist plant insurance. GT Insurance acts for Allianz. The routes and products differ even where the insurer is shared.
Is the freight covered with the truck?
Do not assume it is. Ask about cover for goods in transit or carriers liability, including loading, unloading and any temperature-sensitive goods.
Can a young driver get cover?
Possibly. Age, licence history, experience and the freight task can affect the terms. Some drivers need written approval. Our quiz does not decide whether a driver is accepted.
Does this cover private or vintage trucks?
This comparison is for commercial use. For a truck used only for displays, club runs or a private collection, ask an enthusiast vehicle insurer or broker about that use.
Does a result mean my work is covered?
No. A result means we have not recorded a conflicting hard rule for your answers. Mining work, dangerous goods and dry hire need specific confirmation. Read the policy wording and schedule before buying.