Car Carrier Insurance

1800 97 98 99

Protect your auto transport business! Get reliable car carrier insurance quotes for your trucks and the vehicles you haul. Simple, affordable coverage for peace of mind.

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

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Car Carrier Insurance

This page provides a simple guide to Car Carrier Insurance, explaining what it covers, why it's essential for auto transport businesses, and answering common questions for those seeking to protect their vehicles and operations.

Moving cars from one place to another is a big job, and it comes with big responsibilities. If you own a business that transports vehicles, you know how important it is to keep everything safe. But what happens if an accident occurs, or a car gets damaged while in your care? That's where Car Carrier Insurance steps in to protect your business and your valuable cargo.

Car Carrier Insurance, also known as auto transport insurance or vehicle hauler insurance, is a special type of coverage designed for businesses that transport cars, trucks, and other vehicles. It’s not just regular auto insurance; it’s built specifically for the risks involved in hauling multiple vehicles.

What Does It Cover?

This insurance typically protects against several key risks:


  • Cargo Coverage: This is super important. It covers the actual cars you are hauling if they get damaged, stolen, or lost while on your trailer. Imagine a car falling off or getting scratched – cargo coverage helps pay for the repairs or replacement.
  • Physical Damage (for your truck and trailer): This protects your own car carrier truck and trailer if they are damaged in an accident (like a collision) or from other events like fire, theft, or vandalism.
  • Liability Coverage: This helps pay for damages or injuries you might cause to other people or their property while operating your car carrier. For example, if your truck causes an accident that injures another driver or damages their car.
  • Uninsured/Underinsured Motorist: Protects you if another driver, who doesn't have enough insurance, causes an accident with your carrier.

Why Do You Need It?


  • It’s Often Required: Many states and federal laws (especially if you cross state lines) require car carriers to have specific insurance coverage to operate legally.
  • Protect Your Business: Without it, one major accident could completely wipe out your business with repair costs, legal fees, and replacing damaged vehicles.
  • Peace of Mind: Knowing you're covered lets you focus on your job, not worrying constantly about what-ifs.
  • Client Trust: Clients want to know their valuable vehicles are safe. Having proper insurance shows you're a responsible and professional transport company.

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 Car Carrier Insurance and General Enquiries

What exactly does 'cargo coverage' mean for my car carrier business?

Cargo coverage protects the vehicles you are transporting (your 'cargo') against damage, theft, or loss while they are on your trailer. So, if a car gets dinged, stolen, or otherwise harmed during transit, this part of your insurance helps pay for it.

Is car carrier insurance required by law if I only transport cars within my state?

Yes, even if you only operate within one state, car carrier insurance is typically required by state regulations. The specific requirements can vary, but generally, you need commercial auto liability and cargo coverage to legally transport vehicles for hire.

How much does car carrier insurance usually cost?

The cost of car carrier insurance can vary quite a lot. It depends on factors like the type and age of your truck and trailer, your driving history, the value of the cars you transport, your typical routes, and the coverage limits you choose. It's best to get a personalized quote to know your exact costs.

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.