We Understand
Truck Insurance
At Bunker Insurance, we understand the unique challenges faced by professionals in the transport and trucking industry. From unpredictable road conditions to regulatory complexities and business interruptions, commercial vehicle operators need coverage that aligns with their real-world needs.
That’s why we take the time to understand how your business runs and then match you with insurance solutions that suit your operations, your risks, and your future goals.
Flexible Commercial Vehicle Insurance That Grows With You
Every transport business is different, and so is every insurance policy we place. At Bunker, we adapt to the scale and scope of your operations, helping you evolve coverage as your business expands or changes. Whether you’re adding a new vehicle, diversifying your routes, or entering a new region, we ensure your protection grows with you
Why Transport Businesses Trust Bunker Insurance
Expertise That Drives Results
Our team combines deep knowledge of the transport and logistics sector with years of broking experience. We don’t just sell insurance, we navigate it with you.
By working with a wide panel of trusted Australian insurers, we present options that are relevant, competitive, and aligned with the way you work.
Specialist Service
Every touchpoint at Bunker connects you with a subject-matter expert. Quoting, claims and renewals are each handled by a dedicated team member who knows that area inside out.
No generic service, no handballing. Just clear communication and reliable support when and where you need it most to give you the best outcome.
Relationships First
We believe in building long-term partnerships with our clients. That means being responsive, honest, and consistent. Many of our transport clients come to us after outgrowing transactional service elsewhere.
With Bunker, you can count on personal attention and practical support that evolves as your business does.
Comprehensive Cover Options for Australian Operators
We tailor each policy by assessing your business operations, risk profile, and coverage priorities. Our brokers work with you to understand your transport routes, vehicle usage, cargo types, and downtime concerns. This helps when presenting you options that protect your assets and support your business continuity.
| Insurance Type | What It Covers | Who It’s Best For |
|---|---|---|
| Third Party Liability | Covers injury or damage caused to other people, vehicles, or property while using your truck. | All truck operators (minimum legal requirement). |
| Comprehensive Vehicle Cover | Covers your own truck against damage from accidents, theft, fire, vandalism, and natural events. | Owner-drivers, fleet operators, or businesses financing vehicles. |
| Cargo & Freight Insurance | Protects goods in transit from damage, theft, or loss for local and interstate deliveries. | Transport businesses handling client goods, freight companies. |
| Trailer Insurance (Owned) | Covers damage or loss to trailers that your business owns, including repairs or replacement. | Operators using their own trailers regularly. |
| Trailer in Control (Non-Owned) | Covers non-owned trailers in your possession against accidental damage or theft. | Subcontractors or businesses using leased or third-party trailers. |
| Downtime & Business Interruption | Provides income support if a truck is off-road due to a covered event (e.g., accident or repairs). | Businesses relying on constant vehicle operation for income continuity. |
| Fleet Insurance (optional add-on) | Covers multiple vehicles under one policy, often with more flexible terms and pricing. | Larger businesses managing several trucks or mixed fleets. |
OUR Transport INSURANCE partners
Who We Work With
Across Australia
We provide insurance solutions for transport operators and logistics businesses across the country, including:
- Owner-drivers and subcontractors
- National freight companies
- Linehaul and long-distance trucking
- Equipment and machinery transport
- Regional and remote service providers
- Fleet managers and logistics operators
From Darwin to Hobart, Perth to Brisbane, we support transport businesses Australia-wide with responsive service, expert advice, and dependable coverage.
Claims Support
that works for you!
When the unexpected happens, having a trusted partner to manage your claim can make all the difference. With Bunker, your claim is handled by a dedicated specialist who knows the process, knows your policy, and knows you. We’ll be with you from the first phone call to final settlement.
Insurance by Truck Types and Occupation
Prime Movers Insurance
Rigid Trucks Insurance
Tippers/Dump Trucks Insurance
Refrigerated Trucks Insurance
Flatbed Trucks Insurance
Pantechs/Tautliner Insurance
Tow Trucks Insurance
Car Carriers Insurance
Livestock Trucks Insurance
Tanker Trucks Insurance
Crane Trucks Insurance
Small Truck / Tradesman Trucks Insurance
Don’t see your truck type listed above?
No worries, we insure all kinds of trucks and transport businesses, no matter how niche or unique. Give us a call or get a quick quote online, and we’ll sort out the right cover for your needs.
FAQs About
Truck Insurance
What Does Truck Insurance Typically Cover?
A standard truck insurance policy can include third party liability, comprehensive damage cover, cargo and freight insurance, cover for trailers (owned and hired), and business interruption cover for downtime. These options can be tailored based on your operations and risk profile.
Is Truck Insurance Mandatory In Australia?
Yes, Compulsory Third Party (CTP) insurance is required to register and operate any truck in Australia. However, CTP only covers injuries to others. Most commercial operators also take out comprehensive policies to protect their vehicle, cargo and business.
Can I Get Truck Insurance As An Owner-Driver?
Yes, owner-drivers can access truck insurance tailored to their needs. Policies can cover your truck, trailer, goods in transit, and liability. If your truck is your main source of income, this type of cover is essential for business continuity.
What’s the difference between truck insurance and car insurance?
Truck insurance is designed for commercial use and covers risks like cargo damage, business interruption and trailer liability. Car insurance is intended for private use and doesn’t include the broader protections required by transport operators.
Can I insure a fleet of trucks under one policy?
Yes, fleet insurance let’s you cover multiple trucks under one policy, simplifying management and often offering better pricing. It’s ideal for businesses running two or more vehicles across different routes or states.
Does truck insurance cover downtime if my vehicle is off the road?
Yes, many policies offer downtime cover, which provides compensation for lost income while your truck is being repaired due to a covered event like an accident or fire. It helps minimise financial disruption to your business.
Can truck insurance cover trailers I don’t own?
Yes, with trailer-in-control insurance, you can cover non-owned trailers you use for work. This protects you from liability if the trailer is damaged or stolen while in your possession, even if it’s not registered in your name.
What type of insurance do I need for long-haul trucking?
Long-haul operators typically need comprehensive vehicle insurance, cargo insurance, liability cover, and downtime protection. These policies help manage risk related to extended distances, unpredictable conditions, and tight delivery schedules.
How do I get a truck insurance quote in Australia?
To get a quote, contact a broker or insurer with experience in transport and logistics. You’ll need to provide information about your vehicle, driving history, cargo types, and how your truck is used so they can tailor a policy to your business.