Car Carrier Insurance

Comprehensive cover for a car carrier operation typically ranges from $8,000 to $25,000+ per year depending on the vehicle value, cargo limits, operating radius and claims history. Operators transporting luxury or prestige vehicles face higher premiums due to increased cargo exposure. Contact Shielded Insurance for a free quote.

Comprehensive motor insurance covers the carrier itself but not the vehicles being transported. You need separate goods in transit or cargo liability cover to protect the vehicles on your carrier during loading, transit and unloading. Adequate cargo limits are critical given the high value of vehicle loads.

Your cargo limit should reflect the maximum total value of vehicles on your carrier at any one time. A full load of new vehicles from a port facility can easily exceed $600,000 to $1 million in value. Your broker can help you determine appropriate limits based on the types of vehicles you typically carry.

Loading and unloading damage is the most common claim type for car carriers - vehicles contacting ramps, decks or other vehicles on the carrier. Ensure your policy explicitly covers damage during the loading and unloading process, as some standard motor policies may not respond to these events.

Yes. Major vehicle manufacturers and dealership groups in Australia typically require car carriers to hold minimum cargo liability limits, public liability cover and comprehensive motor insurance as a condition of their transport contracts. Your broker can help ensure your cover meets these requirements.

Yes. Fleet cover is common in the car carrier industry and offers simplified administration, aligned renewal dates and potentially better rates across all vehicles and trailers. Shielded compares fleet options from leading transport insurers including NTI, Zurich, CGU and QBE.

Shielded Insurance compares car carrier quotes from specialist transport insurers including Zurich, NTI, CGU, Allianz, QBE, Vero, Hollard and Global Transport (GT). The best insurer depends on your carrier configuration, cargo value, operating radius and claims history.

In Australia, truck insurance typically includes comprehensive motor cover (accidental damage, fire, theft and weather), third party property damage, public liability, cargo/marine transit cover, downtime or loss-of-use cover, and personal accident insurance. At Shielded, we tailor a combination of these options to match your operation -whether you run a single rigid truck or a fleet of prime movers and trailers.

Several factors influence your premium including the type and value of your truck, your claims and driving history, the goods you carry, your operating radius (metro vs interstate), the level of excess you choose, and the cover options you select. For example, a prime mover hauling dangerous goods interstate will typically attract a higher premium than a light rigid truck doing local deliveries.

You can reduce your truck insurance costs by increasing your excess, bundling multiple vehicles or cover types into one policy, maintaining a clean claims history, and using an insurance broker like Shielded to compare quotes from multiple insurers. We compare rates from Zurich, NTI, CGU, Allianz, QBE and more to find competitive pricing for your situation.

In the event of an accident or claim, contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible so we can guide you through the claims process and help ensure a smooth outcome.

Yes, if you need full comprehensive coverage on a trailer you don't own, you'll need to list it on your policy. Some policies include default non-owned trailer coverage up to a certain limit (usually $50,000 to $100,000), but this typically covers liability only -not damage to the trailer itself. Talk to us about your towing arrangements so we can ensure you're properly covered.

Yes, comprehensive truck insurance policies in Australia include cover for both fire and theft as standard. Third party property damage policies do not include this -you need at least a third party fire and theft or comprehensive policy. If your truck is financed, your lender will usually require comprehensive cover.

Yes, if you're transporting dangerous goods (fuel, chemicals, gases etc.) you'll generally need specialist dangerous goods liability coverage. Limits can range significantly depending on the type of goods and the distances travelled, so it's important to discuss your specific requirements with us to ensure adequate protection.

Most truck insurance policies provide coverage across Australia, however some policies include a radius-of-operation limit based on what you declared when the policy was set up. If you travel outside your declared radius, additional excesses may apply or you may have issues at claim time. If your operations change, let us know so we can update your policy accordingly.

We compare quotes from a wide panel of Australian insurers including Zurich, NTI, HMIA, Penn, Global Transport (GT), ATL, CGU, Vero, Hollard, Allianz, and QBE. We're not limited to these -the best insurer depends on your truck type, what you carry, and how you operate. As brokers, we do the comparison work for you to find the most competitive and suitable cover.

Truck insurance premiums vary widely depending on the vehicle type and value, your claims history, the goods carried, and your operating radius. As a rough guide, a single rigid truck may cost between $2,000–$5,000 per year for comprehensive cover, while a prime mover and trailer combination could range from $5,000–$15,000 or more. The best way to get an accurate price is to request a free quote through Shielded.