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Heavy Vehicle Insurance

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Heavy Vehicle Insurance covers trucks and other large commercial vehicles used for business. It helps pay for repairs, replacements, or legal costs if your heavy vehicle is damaged, stolen, or involved in an accident.

Whether you’re an owner-operator, small fleet owner, or run a national transport company, this insurance can help protect your business assets and keep your deliveries moving. You can cover one vehicle or multiple units under a single policy.

At Bluewell, we help Australian businesses get flexible, competitive cover for their trucks, trailers, and transport equipment.

Truck Insurance

Why You Might Need Heavy Vehicle Insurance

Repairs are costly, downtime hurts your business, and crashes can lead to major damage or legal claims. Heavy Vehicle Insurance can help with:

  • Accidents on public or private roads
  • Fire, theft, or storm damage
  • Damage to someone else’s property
  • Legal costs after an accident
  • Damage caused while loading or unloading
  • Replacing lost or stolen parts or trailers
  • Some contracts, lenders, or licences may also require you to hold this type of insurance.

What Does Heavy Vehicle Insurance Cover?

Cover can be tailored to suit different vehicle types, uses, and industries. Options typically include:

Comprehensive Cover

  • Accidental damage (on or off the road)
  • Fire, theft, and attempted theft
  • Storm, hail, and flood damage’
  • Vandalism or malicious damage
  • Windscreen and glass repairs
  • Towing and recovery costs
  • Replacement of locks and keys

Third-Party Liability

  • Damage to another person’s vehicle or property
  • Legal costs if your driver is at fault

Optional Extras

  • Downtime or hire vehicle costs
  • Goods in transit cover

Types of Vehicles Covered

Heavy Vehicle Insurance can apply to:

  • Prime movers
  • Rigid trucks
  • Refrigerated trucks
  • Tippers and dump trucks
  • Tankers and fuel carriers
  • Tilt trays and recovery vehicles
  • Logging trucks and livestock carriers
  • Trailers

Policies can be built for single units or full fleets.

Common Claims We See

  • A driver reverses into a loading dock, damaging the rear of the truck
  • A refrigerated truck’s unit is damaged in a storm, spoiling the cargo
  • A prime mover is stolen from a depot overnight
  • A collision with a car results in major front-end damage and legal liability
  • A vehicle rolls over during wet conditions, damaging the trailer and freight
  • Windscreen cracked on a long haul trip, needing urgent replacement
  • Fuel tank is vandalised at a rest stop, leading to costly downtime

Frequently Asked Questions

Heavy Vehicle Insurance is for larger trucks over 4.5 tonnes and has specific cover for business transport and freight use, but is still considered a commercial motor insurance product.

Risks like theft, fire, storm damage, or vandalism can happen while your vehicle is parked. Comprehensive insurance helps protect your investment even when the truck is not on the road.

Downtime cover helps pay for lost income if your vehicle is off the road after a claim. This helps reduce the financial hit while you wait for repairs.

Not by default. You can add Goods in Transit Insurance or General Property Insurance to cover tools and cargo. These are optional but often recommended.

You can have your trailer included on your policy after the insurer has reviewed and approved.

Yes. Policies often list your travel radius, such as metro only, state-wide, or national. Make sure the locations your vehicle travels to are noted.

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