Truck insurance

Tipper Truck Insurance

Tippers spend their working life somewhere insurers treat as higher risk: on site, off formed roads, and with the body in the air. The claims reflect that, and they are rarely ordinary collisions.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second submission Licensed & Australian

Quick Quote

60 seconds

How is it used?

What cover do you need?

Insured Name

The company, trust or individual name the policy goes in.

Base state

Phone

I accept the privacy policy and that we may contact you about this insurance.

No obligation. Subject to eligibility and underwriting.

Cover

What tippers insurance covers

Tipping Into Powerlines and Structures

The signature tipper claim is a raised body striking an overhead line, an awning or a doorway. It causes third-party damage, sometimes serious injury, and it is a liability event as much as a motor one. Liability limits matter here more than on a general freight truck.

Rollover While Tipping

Uneven ground, a sticky load and a raised body is how tippers end up on their side. Whether the policy responds can depend on where it happened and whether the site was prepared, so off-road and site work must be declared rather than assumed to be included.

Hydraulics and the Body

The hoist, the body and the tailgate are a large share of the truck's value and they fail under load. Damage from an insured event is one thing; a hydraulic component failing on its own is machinery breakdown, a section you elect rather than get by default.

Off-Road and Unsealed Roads

Quarries, landfills and unformed access tracks change the risk and some policies restrict cover off formed roads. If most of your work is on site, that has to be the basis of the quote rather than a detail mentioned later.

The Load You Carry

Spoil, aggregate and demolition waste are low-value by tonne but can cause expensive damage when they end up somewhere they should not. Public liability, not carriers cover, is usually what responds when a load leaves the body onto a road or a vehicle behind you.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Truckie Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Tippers insurance questions.

Speak with our team on 1300 080 323.

What insurance does a tipper truck need?

Comprehensive motor rated for site and off-road use, public liability at a limit that reflects overhead strike risk, and carriers or goods cover if you cart for others. Machinery breakdown is worth costing because the hoist and body are a large share of the value.

Am I covered if the tipper rolls while tipping on site?

Usually yes if site and off-road use were declared, but this is exactly where an undeclared basis of use causes trouble. Tell us how much of the work is on site, unsealed or off formed roads, so the policy is written against reality.

What happens if I hit powerlines with the body up?

That is primarily a liability claim, and it can be large: network repair costs, outage claims from affected businesses and potential injury. It is the main reason we push tipper operators to look hard at their public liability limit rather than the motor premium.

Is the hydraulic hoist covered if it fails?

Not under standard motor perils, which respond to damage rather than to a component failing on its own. That is machinery breakdown, elected separately. Given the hoist is central to the truck earning anything, it is usually worth the cost.

View all truck cover →

Ready to get tippers covered?

Tell us what you drive in about 60 seconds and we come back to you with options.