Rigid Truck Insurance

Premiums vary depending on the vehicle value, GVM class, body type, use and claims history. As a rough guide, comprehensive cover for a single medium rigid typically ranges from $3,000 to $8,000 per year. Heavy rigids with specialised bodies like cranes or concrete agitators may range from $6,000 to $15,000 or more. Contact Shielded Insurance for a free quote.

The body and fitted equipment can be covered as part of the overall sum insured, but they must be accurately valued and declared. Specialised bodies like cranes, tippers, concrete drums and refrigeration units can represent significant additional value beyond the cab-chassis. Underinsurance on the body and equipment is a common issue that should be avoided.

Yes. If you operate a rigid-and-dog combination, the dog trailer needs to be insured separately - either as an individual unit or under a combined policy with the rigid truck. The trailer has its own value and risk profile that must be specifically covered.

In Australia, rigid trucks require specific licence classes: LR (light rigid, 4.5–8t GVM), MR (medium rigid, 8–15t GVM) or HR (heavy rigid, over 15t GVM). If an incorrectly licensed driver is operating the truck at the time of a claim, the insurer may decline the claim. Always ensure nominated drivers hold the correct licence class.

Agreed value means you and the insurer agree on the payout amount upfront - if the vehicle is a total loss, you receive that agreed figure. Market value means the insurer pays what the truck is worth at the time of the claim. For rigid trucks with custom bodies, agreed value avoids a shortfall between the payout and the true replacement cost.

Yes. Businesses running multiple rigid trucks - whether all the same configuration or a mix of tippers, pantechs, crane trucks and other types - can benefit from fleet policies. Fleet cover simplifies administration and may offer better overall rates. Shielded Insurance compares fleet options from insurers including Zurich, NTI, CGU, Allianz, QBE, Hollard and Vero.

Shielded Insurance compares quotes from leading commercial vehicle insurers including Zurich, NTI, CGU, Allianz, QBE, Vero and Hollard. The best insurer for your rigid truck depends on the vehicle configuration, industry, operating area and your 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.