Skip Bin Loader Insurance

1800 97 98 99

Protect your skip bin loader business with essential insurance. Get quick, simple coverage for your trucks, drivers, and equipment. Easy quotes available!

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

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Skip Bin Loader Insurance

Skip bin loader insurance protects businesses operating trucks that lift and transport skip bins from risks like accidents, damage, theft, and liability, ensuring continuity and financial safety.

Running a skip bin business is tough work! You've got expensive trucks that lift and move heavy bins. What happens if something goes wrong? Skip Bin Loader Insurance is like a safety net for your business. It helps protect you, your trucks, and your money if there's an accident, damage, or other unexpected problems. It's about keeping your business moving, no matter what.

What is Skip Bin Loader Insurance?

This special type of insurance is designed for businesses that use trucks to pick up, deliver, and empty skip bins. These are often called 'hook lift' trucks or 'skip trucks'. Because these trucks are large, carry heavy loads, and operate in different places, they face unique risks.

Why Do You Need It?

Imagine this:

  • An accident happens: Your truck is involved in a collision. The repairs are costly, and someone else's property is damaged.
  • Your loader breaks down: The special lifting equipment on your truck gets damaged or malfunctions.
  • Theft or vandalism: Your expensive truck or its parts are stolen or vandalized.
  • A bin damages property: While placing or removing a bin, it accidentally damages a customer's driveway or fence.

Without the right insurance, you'd have to pay for all these costs yourself. This could seriously hurt your business or even shut it down. Skip Bin Loader Insurance helps cover these big unexpected bills.

What Does It Typically Cover?

While every policy is different, common things covered include:

  • Damage to your truck: Covers repairs or replacement if your skip bin loader truck is in an accident, stolen, or damaged by fire.
  • Third-Party Damage: If your truck causes damage to another person's property or injures someone.
  • Damage to your lifting equipment: The specific 'loader' mechanism that lifts and lowers bins is often a key part of the coverage.
  • Business Interruption: Some policies can help cover lost income if your truck is out of action due to an insured event.

Who Needs This Insurance?

If you own or operate a business that uses trucks to transport skip bins for waste removal, construction debris, or any other purpose, you need this insurance. This includes:

  • Skip hire companies
  • Waste management businesses
  • Demolition contractors with their own skip services
  • Anyone moving heavy industrial bins

Don't wait for something to go wrong. Getting the right insurance is a smart business move that protects your hard work and investment. We make it simple to find the right coverage for your skip bin loader business. Get a quick quote today and secure your peace of mind.

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 Skip Bin Loader Insurance and General Enquiries

Is this just regular truck insurance?

No, it's more specialized. While it includes standard truck risks, it also specifically covers the unique risks of the skip bin lifting equipment and handling heavy bins, which regular truck insurance might miss.

How much does Skip Bin Loader Insurance cost?

The cost varies. It depends on things like your truck's value, where you operate, your claims history, and the exact coverage you choose. The best way to know is to get a personalized quote.

Do I need this insurance if my truck is old?

Yes, absolutely. Even older trucks are valuable business assets and can cause significant damage or injuries if involved in an accident. Protecting your business, no matter the age of your equipment, is crucial.

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.