Prime Movers Insurance
Running a prime mover comes with serious risks and high costs. From road accidents to freight damage or breakdowns far from home, one incident can put both your truck and your business on hold. For many Australian operators, a single claim without cover can mean weeks of downtime and thousands of dollars lost.
Prime Movers Insurance protects against these risks, giving you the cover you need to keep your operation moving and avoid unexpected financial setbacks.
What Does Prime Movers Insurance Cover?
A prime mover insurance policy can include:
Comprehensive vehicle cover
Protection for your truck if it’s damaged in an accident, whether you’re at fault or not.
Third-party liability
Cover for damage to other vehicles, property or injury to people.
Freight protection
Cover for goods lost or damaged during transit, including perishable or high-value items where specified.
Downtime or loss of income cover
Financial support if your truck is off the road after an insured event, helping you meet loan repayments and running costs.
Personal Accident Cover
Protection for the driver in case of injury or death resulting from an accident while operating the prime mover
Optional extras
Such as non-owned trailer cover, breakdown assistance, hire vehicle cover or legal defence costs.
Why Prime Movers Insurance Matters
Prime movers are on the road more than most vehicles, often travelling interstate and carrying heavy or valuable loads. This increases exposure to accidents, liability claims, mechanical issues and theft. Unlike smaller trucks, the costs tied to prime movers are much higher, and so are the potential losses if something goes wrong.
Without the right cover, operators may be left paying for repairs, replacement freight, legal costs or lost contracts. Prime Movers Insurance is designed to protect against these risks, helping you stay on the road and keep your business secure.
Getting Prime Movers Insurance is Simple
At Bunker Insurance, we keep the process of truck insurance simple and straightforward. Here’s how it works:
1. Start Your Quote
Fill in our quick form or call 1300 029 068.
2. We Compare for You
We find the best deals from trusted insurers.
3. You’re Insured
Choose your policy and get your documents by email the same day.
Who Needs Prime Movers Insurance?
Prime Movers Insurance is essential for anyone relying on their truck to move freight across Australia. It’s not just about compliance, it’s about protecting your livelihood.
It’s especially relevant for:
- Independent drivers hauling freight over long distances.
- Small transport businesses moving goods daily between states or regions.
- Fleet operators managing multiple prime movers across different depots.
- Contractors working in industries such as mining, agriculture or construction.
- Logistics companies carrying sensitive or high-value cargo.
What Our Clients Say About Us
At Bunker Insurance, we focus on building strong relationships with our clients, understanding their individual needs, and offering the right solutions. But don’t just take our word for it, see what our clients have to say!
Protect Your Prime Mover Today
Every transport business is different, which is why we don’t push one-size-fits-all cover. We compare policies from multiple providers and tailor options that fit your vehicles, your routes and your contracts.
Partner with Bunker Insurance today to get clear advice, competitive cover and the confidence your prime mover is protected. Speak with us now and secure the protection your business needs.
FAQs about Prime Movers Insurance
How much does Prime Movers Insurance cost?
Costs for prime movers insurance vary depending on your vehicle’s value, type of freight, driver history, radius of operation and level of cover chosen. Because prime movers are higher-value vehicles covering longer distances, they usually cost more to insure than rigid or smaller trucks. Adding extras like downtime cover or freight protection can also affect the price.
What does Prime Movers Insurance include?
A standard prime movers insurance policy includes vehicle damage, third-party liability, freight protection and loss of income if your truck is off the road. Depending on your needs, extras such as trailer cover, legal defence, or breakdown assistance can be added to strengthen protection. Always review your inclusions to make sure the cover matches your contracts and routes.
Who needs Prime Movers Insurance?
Prime movers insurance is needed by owner-drivers, fleet operators, and transport businesses running prime movers for interstate or heavy-haul work.