Tipper Truck Insurance

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Protect your tipper truck business with easy-to-understand insurance. Get covered for accidents, theft, and more. Compare quotes and save today!

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

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Tipper Truck Insurance

This page explains tipper truck insurance in simple terms, covering what it protects against, why it's essential for businesses, and how to get a quote easily. It addresses common questions about insuring tipper and dump trucks for commercial use.

Running a business with a tipper truck means moving a lot of heavy stuff – dirt, gravel, waste, you name it! But what happens if something goes wrong? That's where **Tipper Truck Insurance** comes in. It's like a safety net designed specifically for your hard-working dump truck, protecting you and your business from unexpected costs.

You rely on your tipper truck every day, so protecting it is super important. This special type of insurance is built for vehicles that move loose materials. It makes sure that if something bad happens, your business doesn't suffer a massive financial hit.
What does Tipper Truck Insurance usually cover?

  • Damage to Your Truck: If your tipper truck gets into an accident, is damaged by fire, or even vandalized, this cover helps pay for repairs or replacement.
  • Theft: Sadly, trucks can be stolen. This insurance can help you replace your valuable vehicle if it's taken.
  • Third-Party Damage: If you accidentally cause damage to someone else's property (like hitting a fence) or injure another person with your truck, this cover pays for their costs. This is often a legal requirement.
  • Breakdown Assistance: Some policies offer help if your truck breaks down, getting you back on the road faster.
  • Goods in Transit: If you're carrying materials, some policies can protect those goods if they get lost or damaged while being transported.
Why do you need Tipper Truck Insurance?

  • It's the Law: Just like with your car, it's usually a legal must-have to at least cover damage to other people or property.
  • Protects Your Business: A tipper truck is a big investment. Without insurance, an accident or theft could put your business in serious trouble.
  • Peace of Mind: Knowing you're covered means you can focus on your work, not worry about huge unexpected bills.
  • Covers Your Cargo: If you're hauling valuable materials, specific coverage can protect them too.
Who needs this kind of insurance?
Anyone who owns or operates a tipper truck for business. This includes:

  • Construction companies
  • Landscapers
  • Waste management businesses
  • Quarries and aggregate suppliers
  • Farmers using tippers for commercial purposes
What affects the cost of your insurance?
The price can change based on a few things:

  • Your Truck: Its make, model, age, and value.
  • How You Use It: How often you use it, what you carry, and how far you drive.
  • Your Drivers: Their age, experience, and driving record.
  • Your Claims History: If you've made claims before, it might affect the price.

Don't leave your valuable tipper truck exposed to risks. Getting the right insurance is a smart business move. It protects your truck, your finances, and your ability to keep working.

How do you get started?

We make truck insurance fast and easy at Shielded. Get a quote today.

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Fill the quote form above, or call us on 1800 97 98 99.

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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 Tipper Truck Insurance and General Enquiries

What's the difference between 'tipper' and 'dump' truck insurance?

They are usually the same thing! 'Tipper truck' is more common in some regions (like the UK), while 'dump truck' is popular elsewhere (like the US). Both refer to vehicles designed to haul and unload loose materials, so the insurance covers similar risks.

Is third-party insurance enough for my tipper truck?

While Third-Party Only insurance is often the legal minimum, it only covers damage you cause to others. It won't pay for repairs or replacement of *your* tipper truck if it's damaged or stolen. For better protection of your valuable asset, many businesses choose Comprehensive cover.

Can I get a quote for multiple tipper trucks?

Yes, absolutely! If you have a fleet of tipper trucks, you can often get a special 'fleet insurance' policy. This can be more cost-effective and easier to manage than insuring each truck separately, covering all your commercial vehicles under one plan.

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.