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Heavy vehicle insurance solutions for powder tankers and concrete trucks

Tailored heavy vehicle and truck insurance cover designed to keep your business rolling.

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Do I really need insurance for my heavy vehicle or truck?

For sure. Heavy vehicles and trucks are exposed to unique risks.

Being on the road, the specialist nature of the goods you transport and the high value of your trucks themselves, means that commercial vehicle insurance may not be enough to cover your truck or your fleet.

Say your concrete agitator truck breaks down on your way to a construction site, and the concrete solidifies. The agitator bowl will have to be discarded and a new one installed.

Or your powder truck delivers a mix of ingredients to the wrong silo. The silo must be drained and ingredients replaced.

Or one of your load restraints breaks, and your load spills onto the road. The road will have to be closed and cleared, with associated clean-up and traffic management costs.

Our heavy vehicle insurance solutions can help cover the costs of clean-up, repairs and replacement.

Motor vehicle and public liability cover are industry ‘must haves’ for all heavy vehicle businesses.

We can also arrange additional insurance cover to suit your business, including:

  • Downtime cover
  • Personal accident and illness
  • Goods in transit
  • Non-owned trailer-in-control.

What insurance should I consider as a transport operator?

Public liability insurance is strongly recommended for transport operators. You certainly might need it, contractually, but this cover alone may not adequately protect you, your drivers or damaged vehicles.

Packages we recommend often include:

  • Truck and vehicle insurance
  • Public liability insurance
  • Goods-in-transit insurance.

Our transport team can help provide you with tailored protection – so you can stay focused on your business.

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What’s covered?

  • Motor vehicle – your own vehicle and third-party property and/or vehicle.

  • Public liability up to $20 million cover, or more, depending on your contract requirements.

  • Wrongful delivery - cover for the wrong load or wrong location.

  • ‘Agreed value’ cover (depending on what you carry), not market value – so you know the amount of cover you have.

  • Flat or capped excess, depending on where you live and what you carry.

  • Other options – choice of repairer, substitute hire vehicle, and more.

  • Downtime cover – pays a weekly amount if you have an accident and are off the road.

What’s not covered

Specific exclusions may vary according to the type of cover you have. However, there are some general things that heavy vehicle insurance solutions typically do not cover. These include:

  • Pre-existing damage
  • Inebriated or impaired drivers
  • Illegal activity with your vehicle
  • Failure to disclose key information.

Specialist cover for your trucks

Marsh can arrange specialised cover for your concrete trucks, and tailor your cover for your contract requirements.

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Cover for concrete (agitator) trucks

  • Motor vehicle cover with flat excess: $1,000 in NSW, $750 in other states.

  • Agitator cover for owned or non-owned agitator.

  • Solidification due to mechanical or electrical breakdown. (Most insurance solution providers do not offer this cover.)

  • Downtime cover: weekly benefit if your vehicle is off the road due to an accident.

  • $20 million public liability cover.

  • Cover for wrongful delivery to an incorrect site.

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Cover for powder trucks

  • Motor vehicle cover with capped excess, depending on sum insured.

  • $20 million public liability cover.

  • Covers wrongful delivery to incorrect silo.

  • Marine cargo insurance cover for accidental spills. Covers clean-up costs and replacement ingredients.

  • Downtime cover: pays a weekly benefit if your vehicle is off the road due to an accident.

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Understanding compliance Heavy Vehicle National Law

The Heavy Vehicle National Law (HVNL) sets out clear responsibilities for operators, owners, and drivers to ensure vehicles and loads are safe and compliant. This includes managing fatigue, load restraint, maintenance, and chain of responsibility requirements.

While insurance doesn’t replace legal compliance, it can help your business recover if something goes wrong. Many site operators and clients also require proof of cover, such as a certificate of currency, before allowing access or contracts to begin.

Insurance plays an important role in demonstrating that your business takes safety and compliance seriously.

 

Do you own a different kind of heavy vehicle?

From concrete agitators and powder trucks to earthmovers and excavators, our heavy vehicle insurance solutions can cover you for risks specific to your business.

  • Earth movers & excavators
  • Quarry trucks
  • Brewery trucks
  • Tippers
  • Civil construction vehicles
  • Trucks carrying dangerous goods
  • General freight cartage

Additional cover we can arrange

Choose any or all cover to protect yourself and your business and we’ll get right on it.

Personal accident and illness

Protect your income if you’re unable to work due to accident or injury. Can pay a weekly amount for up to 104 weeks, or a lump sum, depending on your injury.

  • Covers you 24/7 with a weekly benefit payable for up to 2 years.
  • $25,000 death benefit, including funeral expenses (subject to terms and conditions).

Goods in transit

Protect your or your client’s cargo against loss or damage.

Trailer-in-control

Protect trailers you need to transport, that are owned by someone else. 

Why Marsh?

Why choose Marsh for your cover?

Transport cover specialists

Marsh has supported owner-drivers and fleet operators in Australia’s concrete and powder transport industry for more than 30 years. Our team understands the unique challenges heavy vehicle operators face and works with insurers who know the industry.

Claims support

Handling a claim can take precious time away from running your business, at a time when you’re possibly scrambling to get things running smoothly again. We can help take the load off, managing, negotiating and settling claims on your behalf.

A broad range of heavy vehicles

From concrete agitators to quarry trucks and earthmovers, no matter how large or small your fleet, we understand what you need and can help keep your vehicles protected.

Frequently asked questions

Yes. Our motor vehicle policy covers up to $5,000 (or up to 4 weeks) for a substitute hire concrete truck.

A certificate of currency is proof you hold a current insurance policy. Simply pay your invoice, and your certificate of currency will be sent to you.

Insurers use a range of details to calculate your insurance premium. These include:

  • your vehicle type
  • the goods that you carry
  • your business turnover
  • prior claims history.

To arrange a quote, talk to us today. We can help you understand your business risks and arrange appropriate cover to meet your insurance needs.

Our Claims team can guide you through this process. When you need support, we can arrange everything for you – including liaising with your insurer.

Our insurance solutions can cover concrete agitators, powder tankers, tippers, logging trucks, earthmovers, and other heavy transport vehicles.

We can cover concrete agitators, powder tankers, tippers, logging trucks, earthmovers, and other heavy transport vehicles.

Agreed value is the amount you’ll receive if your vehicle is written off. Market value depends on the vehicle’s current resale value.

Yes, public liability is included in heavy vehicle operator cover to protect against claims for injury or damage caused to others, including accidental delivery errors.

This cover can help replace income lost while your vehicle is being repaired or replaced.

Yes. Policies arranged through Marsh typically allow you to select your preferred repairer.

Your policy may include cover for agitator loss caused by solidification or mechanical failure.

Goods in transit cover can protect your load from loss or damage during transport

Yes, loan vehicles can often be covered while your truck is being repaired or rebranded.

Yes, your cover can extend nationally, provided you meet each state’s heavy vehicle compliance requirements.

Marsh provides this document when you purchase your policy for your records or for site and contract compliance.

Contact Marsh as soon as an incident occurs. Our team will help you through the claims process and liaise with the insurer.

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Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

When arranging the concrete truck insurance product, Marsh Pty Ltd (ABN 86 004 651 512, AFSL No. 238983) acts under binding authority on behalf of QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL No. 239545) and not on your behalf.

LCPA 25/1296