Prime Mover Insurance

1800 97 98 99

Protect your big truck business with Prime Mover Insurance. Get simple, easy-to-understand coverage for your semi-trailer and heavy vehicles. Secure your assets today!

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

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Prime Mover Insurance

This page offers comprehensive, easy-to-understand information about Prime Mover Insurance, explaining what it covers and why it's essential for protecting heavy commercial vehicles and related businesses.

Do you own or operate a 'prime mover'? That's the powerful front part of a large truck that pulls a heavy trailer. These big machines are vital for moving goods, but they come with big risks. Prime Mover Insurance is special coverage designed just for these powerful vehicles. It helps protect your valuable truck and your business from unexpected problems like accidents, theft, or damage, keeping you on the road and worry-free.

A prime mover is much more than just a big truck; it's the engine of your business, literally. Because of their size, value, and the heavy loads they carry, standard vehicle insurance isn't enough. Prime Mover Insurance offers the specific protection you need.
What Does It Cover?

  • Damage to Your Truck: If your prime mover is in an accident, gets damaged by fire, or even stolen, this insurance helps pay for repairs or replacement.
  • Damage You Cause: If your truck causes damage to other vehicles or property, or injures someone, the insurance can cover the costs. This is called 'liability' and is very important.
  • Breakdowns & Roadside Help: Some policies can include help if your truck breaks down far from home, getting you back on track faster.
  • Carried Goods (Optional): You can often add coverage for the goods your prime mover is transporting, which is crucial for cargo businesses.
Why Is It So Important?

  • High Costs: Prime movers are expensive to buy and even more expensive to repair. Without insurance, one accident could wipe out your business.
  • Legal Requirement: In many places, it's a legal must-have to carry proper insurance for commercial vehicles like prime movers.
  • Business Continuity: If your truck is out of action, your business stops. Insurance helps you get a replacement or repair quickly, so you don't lose income.
  • Peace of Mind: Knowing you're protected lets you focus on driving and growing your business, not worrying about huge unexpected bills.

This specialized insurance is designed to understand the unique risks faced by heavy transport vehicles. It’s about more than just a truck; it’s about securing your livelihood. Don't leave your most important asset unprotected. Get a simple quote today and drive with confidence.

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 Prime Mover Insurance and General Enquiries

What exactly is a 'prime mover'?

A prime mover is the powerful front part of a large truck (like a semi-trailer) that is designed to pull heavy trailers. It provides the engine and cabin, but usually doesn't carry cargo itself. Its main job is to haul big loads.

What does Prime Mover Insurance typically protect against?

It protects your prime mover from damage due to accidents, fire, theft, and vandalism. It also covers your responsibility if your truck causes damage to other vehicles or property, or injuries to others (liability).

Is Prime Mover Insurance legally required?

Yes, in most regions, commercial vehicles like prime movers are legally required to have specific insurance coverage, especially for third-party liability. It's crucial for protecting your business and others on the road.

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.