Protect your business and your valuable work truck with Service Truck Insurance. Get tailored coverage for tools, equipment, and liability. Simple policies for contractors, plumbers, electricians, and more. Get a free quote and secure your livelihood today!
Truck Insurance — Comprehensive and Third Party, Trailer (Owned and Non-Owned), Downtime Cover, Marine Carriers, Public Liability.
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This page explains Service Truck Insurance in simple terms, covering what it is, why it's crucial for businesses using commercial vehicles for work (like plumbers, electricians, landscapers), and what common risks it protects against, including vehicle damage, tool theft, and liability.
Running a business that uses a service truck means your vehicle is more than just transportation—it's your mobile workshop and a key part of your income. But what happens if something goes wrong? That's where Service Truck Insurance comes in. It's special coverage designed to protect your work truck, your valuable tools, and your business from unexpected problems. Let's break it down simply.
We make truck insurance fast and easy at Shielded. Get a quote today.
Fill the quote form above, or call us on 1800 97 98 99.
Our team will procure competitive quotes.
Choose your option and recieve your policy documents.
Protect yourself with a policy backed by a reputable and award winning insurance advisor.
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We can provide different levels of cover for transport operators
Questions about Service Truck Insurance and General Enquiries
A service truck is any vehicle primarily used for business purposes to transport tools, equipment, or materials to job sites, or to provide services directly from the vehicle. This includes common pickups with toolboxes, utility vans, flatbed trucks, and more specialized vehicles used by tradespeople.
No, generally personal car insurance policies do not cover vehicles used for commercial or business purposes. If you get into an accident while using your truck for work without proper commercial insurance, your personal policy will likely deny the claim, leaving you responsible for all costs.
It commonly protects against damage to your truck from accidents, theft of your truck or the valuable tools and equipment inside it, vandalism, fire, and natural disasters. It also provides liability coverage if your truck causes an accident that injures others or damages their property.
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.
