Mack Truck Insurance

1800 97 98 99

Protect your Mack truck and business with specialized insurance. Get reliable coverage for liability, cargo, and physical damage. Find easy, affordable Mack truck insurance quotes today!

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

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Mack Truck Insurance

This page explains specialized insurance for Mack trucks, covering types of coverage, why it's essential for owners and operators, and how to get a quote to protect their business and assets.

Own a Mack truck? That's a powerful machine, and a huge part of your business! But driving a big rig comes with big responsibilities. Just like any vehicle, your Mack truck needs the right insurance. This page will help you understand what Mack Truck Insurance is all about and why it's super important to keep your business safe on the road.

Running a business with a Mack truck means you need special protection. Regular car insurance simply won't cut it. Mack Truck Insurance is designed specifically for these heavy-duty vehicles and the unique risks they face every day.
Why is this insurance so important for your Mack truck?

  • It's the Law: Most states and federal rules say you *must* have certain insurance to operate a commercial truck legally.
  • Protects Your Business: Accidents happen. Without insurance, a single incident could cost your business hundreds of thousands of dollars, possibly even putting you out of business.
  • Covers Your Valuable Truck: Mack trucks are a big investment. This insurance helps repair or replace your truck if it's damaged or stolen.
  • Keeps Your Cargo Safe: If you're hauling goods, you need coverage for what's inside your trailer too.
What does Mack Truck Insurance usually cover?

  • Liability Coverage: This is the most basic and usually required. It pays for damages and injuries you cause to *other people* or their property if you're at fault in an accident.
  • Physical Damage Coverage: This protects your actual Mack truck.
  • *Collision:* Covers damage to your truck if it hits something (like another vehicle or an object) or rolls over.
  • *Comprehensive:* Covers damage to your truck from things like fire, theft, vandalism, falling objects, or natural disasters (like hail or floods).
  • Cargo Coverage: This protects the goods you are transporting. If your cargo gets damaged, lost, or stolen, this coverage helps.
  • Uninsured/Underinsured Motorist: Helps cover your costs if you're in an accident with someone who doesn't have enough (or any) insurance to pay for your damages.
  • Trailer Interchange: Important if you're hauling trailers you don't own, usually when working under a specific agreement.
  • Bobtail/Non-Trucking Liability: Covers your truck when you're driving it *without* a trailer, or when you're using it for personal reasons and not actively working.
Who needs Mack Truck Insurance?

  • Individual owner-operators with a Mack truck.
  • Businesses with a fleet of Mack trucks.
  • Any commercial operation that relies on a Mack truck for hauling, deliveries, or other services.

Don't leave your Mack truck or your livelihood unprotected. Getting the right insurance is simpler than you think. You can easily get a personalized quote to find coverage that fits your specific needs and budget, giving you peace of mind on every journey.

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 Mack Truck Insurance and General Enquiries

Is Mack Truck Insurance required by law?

Yes, almost all states and federal regulations require commercial trucks, including Mack trucks, to have specific liability insurance coverage to operate legally on public roads. Other coverages, while not always legally mandatory, are highly recommended for full protection.

What factors make my Mack Truck Insurance cost more or less?

Many things affect your insurance cost, like the specific Mack model you have, its age, your driving record, what kind of cargo you haul, how far you drive, and where you operate. The amount of coverage you choose also plays a big role.

Can I get a custom insurance plan for my specific Mack truck business?

Absolutely! Insurance providers understand that every trucking business is different. You can work with them to build a policy that includes the exact types of coverage you need for your Mack truck and operations, ensuring you only pay for what you truly need.

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.