Box Truck Insurance
On a box truck the body is often worth more than the chassis under it, and the two most expensive things that happen to one are hitting something overhead and hurting somebody at a loading dock. Neither is a driving error in the ordinary sense.
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What box trucks insurance covers
The Body Is Most of the Value
A pantech, refrigerated or curtain-side body can exceed the value of the cab and chassis. It must be declared and scheduled, because a claim settled on the chassis alone leaves you buying a body you thought was insured.
Height Strikes
Car park entries, awnings, drive-throughs and low bridges account for a striking share of box truck claims. They damage your body, the structure and sometimes the vehicle behind. Height strikes are also one of the few claim types a driver can be trained out of.
Tail-Lifts and Loading Equipment
A tail-lift is expensive, fitted after purchase and frequently undeclared. It also injures people. Schedule it on the policy and check the liability position, because a tail-lift incident is a serious injury claim rather than a property one.
Loading Dock and Reversing
Most box truck damage happens at walking pace: reversing into docks, clipping bollards, catching gutters. Individually minor, collectively the reason your claims history looks worse than your driving does. Excess structure matters more than sum insured here.
Theft From an Enclosed Body
A box body is a locked container full of freight parked overnight. Insurers rate on where it is kept, whether the roller door is alarmed and whether goods are left in it. It is one of the few answers that reliably moves the price.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Truckie Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What insurance does a box truck need?
Is the body covered separately from the truck?
Am I covered if I hit a low car park entry?
Does insurance cover goods stolen from the box overnight?
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Truckie Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).