Car Hauler Insurance
A loaded car carrier can have more value on the deck than in the truck, sometimes several times over. That inverts the usual priorities: the cargo section is the main policy and the motor cover is the supporting act.
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What car carriers insurance covers
Cargo Value Stacks Fast
Eight vehicles at fifty thousand each is four hundred thousand on one deck, and a single incident can total all of it. Carriers liability limits set against an average load rather than a full one are the most common shortfall in this trade.
Damage During Loading and Unloading
Most car carrier claims are not collisions. They are scrapes on ramps, decks lowered onto panels, and mirrors caught on rails. They are frequent, individually modest and rarely covered by the motor section, so the cargo wording matters.
New Versus Used, and Who Decides Condition
Carrying new vehicles for a dealer is a different conversation from moving a used car for a private customer, because the standard of condition on arrival is different. Pre-load condition reports are the practical defence and insurers like to see them.
Hydraulic Decks and Ramps
The loading gear is specialised, load-bearing and expensive. Failure of it can damage several vehicles at once, which turns a machinery problem into a large cargo claim. Machinery breakdown is more relevant here than on general freight.
Theft From an Open Deck
Vehicles on an open carrier parked overnight are visible and accessible. Where the unit is parked, and whether the vehicles are immobilised, both affect the cargo terms you are offered.
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 car hauler need?
How much cargo cover should a car carrier have?
Is damage while loading covered?
Who is liable for a scratch the customer notices later?
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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).