Small Truck Insurance
This page is for the first truck rather than the smallest one. Buying it is usually the point at which a small business stops being insured like a tradesperson and starts being insured like a transport operator, and that shift catches people out.
Quick Quote
60 secondsThe company, trust or individual name the policy goes in.
No obligation. Subject to eligibility and underwriting.
What small trucks insurance covers
Your Existing Business Policy Will Not Stretch
A tradesperson's package or a small business pack rarely contemplates a truck carrying goods for reward. Bolting a truck onto an existing policy usually produces a gap rather than a saving, and the gap shows up at claim time.
No Claims History as a Transport Risk
A clean car history helps less than owners expect, because insurers want claims experience in the class. First-time truck operators often pay a first-year loading, which comes off at renewal with a clean year behind them.
One Truck Means No Spare
With a single vehicle, any repair stops the business entirely. Downtime or hire vehicle cover matters more for a one-truck operator than for a fleet, which is the opposite of what most people assume when they are trying to keep the first premium down.
Who Else Will Drive It
Small operators lend the truck to staff, family and mates. Unlisted or unlicensed drivers are a common reason a first claim is declined, so it is worth setting the driver basis deliberately rather than discovering the restriction afterwards.
Getting the Use Description Right First Time
The description you give at inception defines the policy for the year. Carrying your own materials, carting for customers and subcontracting to a larger operator are three different uses, and businesses drift between them without telling anyone.
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 do I need for my first truck?
Can I add a truck to my existing business insurance?
Why is my first truck premium higher than my car?
Can employees drive the truck?
Ready to get small trucks covered?
Tell us what you drive in about 60 seconds and we come back to you with options.
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).