Truck insurance

Truck Driver Insurance

Every other page here insures a vehicle. This one insures you. If you are an owner-driver you have no sick leave and no employer behind you, and the policies that address that are not on your truck.

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Quick Quote

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How is it used?

What cover do you need?

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No obligation. Subject to eligibility and underwriting.

Cover

What truck drivers need covered

Income Protection When You Cannot Drive

A back injury does not damage the truck, but it stops the earnings entirely. Income protection pays a monthly benefit while you cannot work, and for a sole operator with finance to service it is usually the most valuable policy on the list.

Personal Accident and Sickness

Personal accident covers injury; adding sickness extends it to illness, which is what most drivers actually lose weeks to. Waiting and benefit periods are the levers, and a shorter wait costs more but matches the reality of no buffer between loads.

Why Workers Compensation Will Not Help

As a sole trader you generally cannot take out workers compensation on yourself. That is precisely the gap personal accident and income protection fill, and it is the point most owner-drivers only discover after an injury.

Your Own Liability, Not the Truck's

Away from the wheel you are still working: on docks, in yards, around forklifts and other people's property. Public liability responds to injury and damage you cause there, and many principals require you to hold it before engaging you.

Cover That Follows You Between Contracts

Subcontractors move between principals and sometimes between trucks. Cover attached to one vehicle or one contract leaves gaps whenever the work changes; policies written around the driver follow you across the year.

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

Truck drivers insurance questions.

Speak with our team on 1300 080 323.

What insurance does a self-employed truck driver need?

Something that replaces income if you cannot work, either personal accident and sickness or income protection, plus public liability. Those sit alongside the truck policy rather than replacing it. If you engage others, further obligations arise.

Can I get workers compensation as an owner-driver?

Generally not on yourself as a sole trader, which is exactly why personal accident or income protection matters. If you take on workers or certain subcontractors, workers compensation obligations can arise and the rules differ by state.

Will income protection pay if I am sick rather than injured?

Income protection generally covers both illness and injury. A personal accident policy alone covers injury only, so if illness cover matters, check sickness is included rather than assuming. It is one of the more common misunderstandings.

How long before income protection starts paying?

That is the waiting period, and you choose it. Shorter waits cost more but suit drivers with no financial buffer; longer waits suit those who can absorb a few weeks. Set it against how long you could genuinely go without a payment.

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