Tilt Tray Insurance

Comprehensive cover typically ranges from $4,000 to $14,000+ per year depending on the vehicle value, goods in transit limits and operating profile. A light-duty unit doing scheduled transport sits at the lower end, while a heavy-duty 24/7 accident recovery truck is at the upper end. Request a free quote from Shielded for an accurate price.

Yes - goods in transit or carrier's liability cover protects vehicles, machinery and equipment while being loaded, transported and unloaded on your tilt tray. This is the most critical cover for tilt tray operators. Ensure the limit reflects the most valuable single item you could carry at any time.

Loading and unloading incidents are the most common claim type for tilt tray operators. Your goods in transit cover should respond to accidental damage during loading, provided the incident falls within the policy terms. Maintaining proper loading procedures and equipment in good working order supports positive claim outcomes.

Not necessarily a different policy, but the risk profile differs. Accident recovery operators face higher exposure from roadside hazards, traffic, damaged vehicles and 24/7 operations. Your insurer needs to know the nature of your operations to price the cover accurately. Undeclared accident recovery work could affect claims.

Yes. The winch, hydraulic tilt mechanism and tray body should be included in the total sum insured as part of the vehicle's value. Some insurers also offer mechanical breakdown cover for the hydraulic system, which extends beyond accidental damage to cover equipment failure.

Yes. Operators holding police towing authority or roadside assistance club contracts (such as NRMA, RACV, RACQ or RAA) typically need to meet specific insurance requirements - including minimum goods in transit limits and public liability levels - as a condition of the contract. Verify these with your broker before tendering.

Shielded compares quotes from specialist transport insurers including Zurich, NTI, CGU, Allianz, QBE, Vero and Hollard. NTI and Zurich are particularly experienced with towing and vehicle transport operations. The best insurer depends on your vehicle, goods in transit requirements and operating profile.

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.