Semi-Trailer Insurance

Not usually for everything. Your truck's insurance typically covers the truck itself and its liability. Your semi-trailer is a separate piece of equipment and generally needs its own dedicated insurance policy for physical damage, especially when it's detached from the truck or used as a non-owned trailer. It’s important to have both.

It commonly covers damage from accidents (like collisions, rollovers, or jackknifing), fire, theft, vandalism, and sometimes natural disasters like hail or floods. The exact coverage depends on the specific policy you choose, so it's good to check the details.

Truck insurance typically consists of liability coverage, cargo coverage, comprehensive coverage, and personal accident insurance. We can tailor options to suit you.

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.

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.

In the event of an accident or claim, you should contact your us or your insurer right away.

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.

Yes, comprehensive truck insurance policies provide coverage for theft and fire.

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.

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.

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.