Box Truck Insurance

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Need Box Truck Insurance? Get easy-to-understand coverage to protect your business, cargo, and drivers. Compare quotes and find the right policy for your box truck today!

Truck Insurance — Comprehensive and Third Party, Trailer (Owned and Non-Owned), Downtime Cover, Marine Carriers, Public Liability.

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Box Truck Insurance

This page explains what box truck insurance is, why it's essential for businesses, key types of coverage, and answers common questions in simple language.

Got a box truck? Great! Whether you're moving goods, delivering packages, or running a moving company, your truck is super important for your business. But what if something goes wrong? An accident, theft, or damage to your cargo can be a huge headache and a big expense. That's where Box Truck Insurance comes in. It's special coverage designed to protect your truck, your cargo, and your business from unexpected problems. Let's make sure you're covered!

Box Truck Insurance isn't like your everyday car insurance. It's built for the special risks that come with using a truck for work. It helps cover costs if your truck gets into an accident, is stolen, or if the goods you're carrying get damaged. This insurance is a must-have for almost any business that uses a box truck.

Here’s what this insurance often covers:


  • Liability Coverage: This is super important. If you cause an accident, it pays for damages to other people's property (like their car) or their medical bills. It doesn't cover your own truck or injuries, though.
  • Physical Damage Coverage: This protects your actual box truck. It can pay for repairs or replacement if your truck is damaged in an accident, caught in a fire, or stolen. Think of it as collision and comprehensive coverage for your business truck.
  • Cargo Coverage: Your truck is carrying valuable stuff, right? This coverage protects the goods or equipment you're transporting in case they get damaged, lost, or stolen during transit.
  • Medical Payments Coverage: If you or your passengers get hurt in an accident, this helps pay for medical bills, no matter who was at fault.
  • Uninsured/Underinsured Motorist Coverage: What if someone hits you, and they don't have enough (or any) insurance? This coverage steps in to help pay for your medical bills and truck repairs.
Why is Box Truck Insurance so important?

  • It's Often Required: Many states and federal laws require specific insurance for commercial vehicles like box trucks.
  • Protects Your Money: Accidents can be incredibly expensive. This insurance shields your business from massive repair bills, legal fees, and medical costs.
  • Keeps Your Business Running: If your truck is out of commission, your business stops. Insurance can help get you back on the road faster.
  • Peace of Mind: Knowing you're protected lets you focus on your work, not worrying about 'what if'.

Who needs this insurance? Anyone using a box truck for business! This includes delivery services, moving companies, contractors hauling tools and materials, distributors, and more. If your truck helps you earn money, you need this special coverage.

How do you get started?

We make truck insurance fast and easy at Shielded. Get a quote today.

1

Start a quote.

Fill the quote form above, or call us on 1800 97 98 99.

2

Quotes gathered.

Our team will procure competitive quotes.

3

You're covered.

Choose your option and recieve your policy documents.

Why choose Shielded

Protect yourself with a policy backed by a reputable and award winning insurance advisor.

Professional

Our team are professional and experienced in truck insurance.

Highly Reviewed

Shielded is an award winning insurance advisor with thousands of 5 star reviews.

Renewal Management

Our team will manage your renewals and keep you informed and up to date.

24/7 Claims

Notify of a claim 24/7 365 days a year.

Cover Options

We can provide different levels of cover for transport operators

Commercial Motor

Third party to comprehensive motor cover.

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Public Liability

Protection for third party property damage or personal injury.

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Downtime

Income whilst your motor vehicle is off the road.

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Marine and Cargo

Protection for goods in transit.

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Personal Accident

Protect your income from injury or sickness.

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Workers Compensation

Protection for your employees and workers.

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Frequently Asked Questions

Questions about Box Truck Insurance and General Enquiries

Is Box Truck Insurance the same as my personal car insurance?

No, it's very different! Personal car insurance doesn't cover trucks used for business. Box Truck Insurance is specially designed for the risks that come with commercial use, like hauling goods and transporting items for pay.

What's the most important part of Box Truck Insurance?

Liability coverage is usually the most critical part. It protects your business if you're found responsible for an accident that harms others or their property. Without it, you could face huge personal costs.

How much does Box Truck Insurance cost?

The cost varies a lot! It depends on things like the type of box truck you have, what you're hauling, where you drive, your driving history, and the types of coverage you choose. The best way to know is to get a personalized quote.

What type of truck insurance is available?

Truck insurance typically consists of liability coverage, cargo coverage, comprehensive coverage, and personal accident insurance. We can tailor options to suit you.

What factors affect my premium and quote price?

A few factors that can affect your premium include the type of vehicle you drive, your driving record, the type and amount of coverage you choose, and the amount of your excess also known as a deductible.

How to get cheaper truck insurance?

You can lower your truck insurance premium by increasing your excess, shopping around for the best rate by using us as your insurance broker (we do the work for you!), and maintaining a good driving record.

Who do I contact in a claim?

In the event of an accident or claim, you should contact your us or your insurer right away.

Do I need extra cover when towing other owners trailers?

Yes, if you need full comprehensive coverage on the trailer you will need to list the trailer on your policy. Some policies will include some default coverage up to a certain limit (usually $50,000 to 100,000) but this is usually for a liability aspect only.

Does truck insurance cover fire and theft?

Yes, comprehensive truck insurance policies provide coverage for theft and fire.

Do I need more cover if I'm carting dangerous goods?

Generally speaking, you will need to take out dangerous goods liability coverage for protection. These limits can range so it's important you talk to us.

Am I covered Australia Wide?

It's important to note though that some policies will have radius limits on them depending what you declared when setting up the policy. If you go outside of this radius limit there may be extra excesses applicable or issues in a claim.

Which insurers are available for truck insurance?

Shielded uses quite a few when we quote and compare. These include Zurich, NTI, HMIA, Penn, Global Transport (GT), ATL, CGU, Vero, Hollard, Allianz, and QBE. Keep in mind we're not limited to these insurers, others do exist. It all comes down to what type of truck it is and what the purpose the truck will be used for.