Vehicle Transport Insurance
Moving vehicles for other people raises one question that dominates everything else: when the car is on your truck, whose insurance responds if something happens to it. The answer is rarely the customer's, and it is almost never your motor policy.
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What vehicle transporters insurance covers
The Customer's Policy Usually Steps Back
Most private motor policies contemplate the owner driving, not the car being carried as freight by a business. Customers assume they are covered and often are not, which means the exposure lands on the carrier by default.
Your Motor Policy Covers Your Truck
It does not cover the vehicle you are carrying. That needs carriers liability or a specific motor-vehicles-in-transit section, and the distinction is the single most misunderstood point in this line of work.
Driven, Towed or Carried
Whether the vehicle is driven onto a deck, towed on a dolly or carried on a tray changes which cover applies and sometimes whether it applies at all. Describe how you actually move vehicles rather than which category sounds closest.
Enclosed and Prestige Work
Enclosed transport usually means higher-value vehicles and customers with higher expectations. Limits, condition reporting and the wording around cosmetic damage all matter more, and a general carriers limit is often well short.
Keys, Storage and the Gaps Between Legs
Vehicles wait in yards between legs, and that is not transit. If you hold vehicles overnight or between pickups, in-custody cover needs to sit alongside the transit section, or there is a window where nothing responds.
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).
Who provides the insurance while a car is being transported?
Does my truck insurance cover the vehicles I carry?
What limit do I need for vehicle transport?
Am I covered while a customer's car sits in my yard?
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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).