Tow Truck Insurance
A tow truck is insured twice over: once as a vehicle, and once for the vehicle it is carrying. That second part, the customer's car hooked to your truck or sitting in your yard, is where nearly every serious tow truck claim lands.
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What tow trucks insurance covers
On-Hook Cover
Damage to the vehicle while it is being lifted, towed or carried is not covered by your motor policy. On-hook is the section that responds, and it is the defining cover of this trade. Without it you are personally exposed to the value of every car you move.
In-Custody, Once It Is in Your Yard
A recovered vehicle sitting in your compound is still your responsibility. Fire, theft, storm and vandalism in the yard are in-custody exposures, separate from on-hook, and they run for as long as the vehicle is there — which can be months on an insurance job.
Working at an Accident Scene
Roadside recovery puts you on live traffic lanes, at night, around damaged vehicles and sometimes fuel. It is a serious public liability exposure and insurers price it accordingly. Recovery procedure and equipment matter to the terms you get.
Winches, Booms and Slide Trays
The recovery gear is specialised, expensive and does the actual work. Damage to it, and failure of it, are different sections. If the boom or winch is what earns the money, downtime cover should reflect that rather than the chassis value alone.
Accreditation and What You Are Allowed to Tow
Tow truck licensing is state-regulated and in some states tightly controlled, particularly for accident towing. Operating outside your accreditation is a disclosure problem that can affect a claim, so the licence position needs to be accurate at inception.
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 tow truck need in Australia?
What is on-hook cover and do I need it?
Are vehicles in my holding yard covered?
Does accident towing cost more to insure than breakdown towing?
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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).