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Truck and heavy vehicle insurance solutions

Help protect your trucks, cargo and operations with insurance arranged for transport businesses, from commercial motor and liability to cargo and downtime cover.

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

Truck and heavy vehicles 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. The load of concrete that can no longer be used creates additional costs.

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 truck 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 truck and 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
  • NTI Accident Assist (roadside assist) (concrete trucks only).

What insurance should I consider for my trucking business?

Public liability insurance is strongly recommended for truck and heavy vehicle operators. You certainly might need it, 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 specialised transport team can help provide you with tailored protection – so you can stay focused on your business.

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What’s covered?

  • Commercial motor

    Can cover accidental loss or damage to insured vehicles, theft and certain third-party liabilities, subject to the cover selected. Flat or capped excess - depending on where you live and what you carry. We offer a choice of repairer, substitute hire vehicle, and more.

  • Public and products liability

    Can cover certain third-party personal injury or property damage liabilities connected with your business or products. Up to $20 million cover, or more, depending on your contract requirements.

  • Cargo in transit

    Carriers Protect can cover cargo lost or damaged in transit, with cover depending on the option and extensions selected.

  • Downtime

    Can pay a weekly benefit when an eligible loss or damage claim for your vehicle is accepted under the Commercial Motor policy.

  • “Agreed value’ cover

    Depending on what you carry, not market value – so you know the amount of cover you have.

  • Concrete truck solidification cover

    Due to ancillary power failure (mechanical or electrical breakdown).

What’s not covered

Truck insurance does not cover every event or circumstance. Exclusions can include depreciation, wear and tear, certain mechanical, electrical or electronic events, and faulty workmanship.

Cover can also be affected where a vehicle is unsafe or unroadworthy, is driven by someone who is not appropriately licensed or is affected by drugs or alcohol, or where the vehicle or load exceeds applicable design, weight or dimension limits.

Other exclusions, limits and conditions apply. Check your policy wording, schedule and endorsements to understand the cover that applies to your business.

Truck types we can arrange cover for

Different trucks can create different exposures. Marsh can arrange cover for specialist transport operations, with terms depending on the vehicle, cargo and business activities.

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Concrete agitator trucks

Cover can be arranged for concrete agitators, with scheme-specific motor, liability, downtime and concrete-related features.

  • Motor vehicle cover

    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

  • 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

  • Roadside assistance

    Optional add-on of NTI accident assist.
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Powder trucks

Marsh can arrange cover for powder truck operators, including motor, liability, cargo and downtime options.

  • Motor vehicle cover

    Motor cover can help respond to eligible vehicle loss or damage. 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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Other heavy vehicles

Marsh can arrange truck insurance for a range of eligible heavy vehicle and transport operations.

  • Earthmovers, excavators, quarry trucks and tippers.

  • Civil construction vehicles and trucks carrying dangerous goods.

  • General freight cartage and other eligible heavy transport vehicles.

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How your truck insurance can be tailored

Your policy can combine selected covers and extensions, depending on your operations and what the insurer agrees to provide.

Your policy schedule sets out the cover, limits, excesses and endorsements that apply. Check that it reflects your vehicles and current business activities.

Additional cover we can arrange

Depending on your needs and eligibility, Marsh can arrange additional cover alongside your truck insurance.

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Personal accident and sickness

Can provide weekly injury or sickness benefits, capital benefits or business expenses cover when selected and shown in your policy schedule.

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Goods in transit

Carriers Protect can cover eligible cargo loss or damage while goods are in transit, subject to the cover option and policy terms selected.

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Trailer in control

Cover can apply to an eligible non-owned trailer while it is in your lawful custody or control and used in connection with your business.

Claims support for your trucks

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Claims support for concrete (agitator) trucks

Working with your Marsh broker, NTI have got a team of specialised claims experts to help you get back on the road faster:

  • Award‑winning, tailored claims service for Marsh.

    Built on decades of NTI expertise, with dedicated Claims Relationship Managers, a 24/7 claims hotline, and access to in‑house Repair Managers and Parts Specialists.

  • Fast, efficient claims handling.

    Auto‑lodgement with claim numbers issued within minutes and a local Claims Consultant and Repair Manager assigned to every customer.

  • End‑to‑end, on‑scene and ongoing support.

    Recovery specialists attending accidents with care covering medical assistance, trauma counselling, communications, and transport.

  • Proven outcomes and clear accountability.

    Delivering proactive management, full transparency, reduced complexity and downtime, faster return to work, and protection of both customer and broker relationships.

  • Lodge a claim.

    With your broker or via the Marsh NTI dedicated hotline on 1800 263 681.
Submit a concrete agitator claim
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Other heavy vehicles and trucks claims support

As soon as you become aware of a claim or a circumstance which may result in a claim, contact our team.

  • Marsh provides a dedicated team of heavy vehicle and truck insurance specialists to assist you.

  • The Marsh team will advocate for you with insurers, allowing you to concentrate on running your business.

  • Your Marsh team of brokers will guide you through the claims process and will support you to get back on the road faster.

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Why Marsh?

Marsh can help truck operators understand their risks, arrange suitable cover and navigate the claims process.

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Transport cover specialists

Marsh has worked with trucking businesses for years and can arrange cover for owner-drivers and fleets.

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Claims support

Marsh can help manage, negotiate and settle eligible claims with insurers, helping you stay focused on running your business.

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Cover for different operations

Marsh can arrange cover for a range of heavy vehicles, including concrete agitators, powder trucks, earthmoving vehicles and general freight.

Frequently asked questions

Truck insurance is designed for heavy vehicles and transport businesses. Depending on the cover selected, it can address risks involving your vehicle, third-party liabilities, cargo and downtime. Your policy schedule confirms which covers, limits and endorsements apply.

Depending on your business, you may consider Commercial Motor, Public and Products Liability, Carriers Protect and Downtime. These are separate policy products or cover options. Cover only applies where it is selected and shown in your policy schedule.

Not necessarily. Under the Transport Pack, Public and Products Liability is a separate policy product. It applies when selected and shown in your policy schedule, subject to its terms, conditions, limits and exclusions.

Carriers Protect can provide cover for eligible cargo that is lost or damaged in transit. The cover that applies depends on the option and extensions selected and shown in your policy schedule.

Downtime can pay a nominated weekly benefit when an eligible loss or damage claim for your vehicle has been accepted under the Commercial Motor policy. Policy conditions and exclusions apply.

The Transport Pack allows you to choose a repairer, or the insurer can recommend one. If your choice is not accepted, you will need to work with the insurer to agree on another repairer.

Under the concrete agitator scheme, cover can apply where concrete sets or hardens following a specified mechanical, electrical or electronic breakdown of ancillary operating equipment. Applicable maintenance requirements and other policy conditions must also be met.

The concrete agitator scheme can cover reasonable substitute hire vehicle costs following eligible accidental damage or theft. Limits and conditions apply, including where Downtime cover also applies.

The Transport Pack includes provisions for an eligible non-owned trailer in your lawful custody or control while it is used in connection with your business. Limits, excesses and other policy conditions apply.

Factors can include your claims history, vehicle type and use, location, sum insured, operating distance and the cover or extensions selected. Cargo, liability and business information can also affect the premium where those products are selected.

Related articles and insights

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Concrete truck insurance extensions explained

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This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

When arranging the concrete truck insurance product, Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) acts under binding authority on behalf of NTI Limited (ABN 84 000 746 109, AFSL 237246) and not on your behalf.

LCPA 26/3873