Is your run inside your declared radius?

In a straight line — as the crow flies — from the address where the truck is garaged. It is not measured by road kilometres and it is not your odometer reading. A 200km radius is a 200km circle drawn on the map around your yard, so a run that takes 300km of driving can still sit inside it, while a town 210km away in a straight line falls outside it no matter how the road bends.

It gives the insurer grounds to question the claim, because radius is one of the strongest rating factors on a truck policy and you were rated on the smaller figure. It is not automatically declined, and outcomes vary between insurers and policies, but it is an argument you do not want to be having after a loss. If your work has changed, tell us and we will have the declaration updated — that conversation is free and takes minutes.

Usually yes. Radius is about where the truck operates, not where it operates most of the time, so a single regular interstate run generally has to be declared even if the rest of the work is local. Declaring the wider radius costs more premium than you may want, but it is the difference between a claim being paid and being argued. We would rather quote it accurately than cheaply.

From the garaging address on the policy — where the truck is normally kept overnight. If that is your home, it is measured from home; if the unit lives at a yard or depot, it is measured from there. Getting the garaging address right matters as much as the radius itself, because everything is measured from that point.

The distances are straight-line geodesics on the WGS-84 ellipsoid, so the arithmetic is accurate to metres. The approximation is the starting point: we measure from the centre of the suburb you pick, while your insurer measures from your actual yard. That is why any run within a few kilometres of your limit is flagged as too close to call rather than given a verdict.