Tractor Trailer Insurance
A tractor-trailer is two insured items behaving as one vehicle, and most of the trouble comes from the seam between them. Cover that is right on each unit separately can still leave a gap at the coupling, which is where these claims tend to happen.
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What tractor-trailer combinations insurance covers
Two Policies, One Incident
In a jackknife or rollover the prime mover, the trailer and the load can all be damaged in the same event, potentially under three different sections or even three different insurers. Aligning them under one arrangement is what stops the argument about which responds.
Coupling and Uncoupling
Runaway trailers, dropped legs and incorrectly seated turntables cause damage that looks mechanical but gets assessed as operator error. Where that lands depends on wording, so it is worth asking specifically rather than assuming comprehensive covers it.
Matching Sums Insured Across Units
Operators often insure the prime mover carefully and the trailer casually, or update one at renewal and not the other. When they are damaged together, the underinsured half sets the tone of the whole claim.
Combination Mass and Configuration
B-doubles, road trains and single semis are rated differently, and running a configuration you have not declared is a disclosure problem. If the combination changes seasonally, say so at inception rather than at claim time.
Liability Follows the Whole Combination
A third party hit by any part of the combination is your liability. Public liability limits should be set against the combination you actually run, not the prime mover alone, and most freight contracts specify a minimum in any case.
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 tractor trailer combination need?
Are the truck and trailer insured under one policy?
Does running a B-double change my insurance?
What happens in a jackknife where everything is damaged?
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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).