Why Transport Operators Choose All Trucks Insurance
We are a broker, so we work for you, not the insurer. Trucks, trailers, plant and freight are what we work on every day.
Paul Cohalan ran heavy haulage before he moved into broking. He asks how your operation runs before he talks about price.
Using a Broker or Going Direct
Going direct can suit the small, simple end of the market. Once you have more vehicles, higher values and contracts to meet, you end up working out the risks and the limits yourself.
When You Go Direct
- You work out your own risk.
- You choose your own limits, meaning the most the policy will pay.
- You deal with the insurer yourself when you need to claim.
When You Use Us
- We work through the risk with you and look for the gaps.
- We can approach more than one insurer for you.
- We go through all of your cover together: motor and fleet, cargo, liability, and plant and equipment.
- We act for you, not the insurer, if something goes wrong.
Does a Broker Cost More?
Brokers in Australia are usually paid by commission from the insurer, a broker fee you pay, or a mix of both.
Whichever applies, it is set out for you in writing before you agree to anything.
We place transport business with specialist heavy vehicle insurers, including these, under a brokerage licence backed by Steadfast.
We Work in Transport and Plant
Before he became a broker, Paul managed heavy haulage for BHP's iron ore operations. His very first client was an owner-driver with one truck, and transport has been his specialty since.
So the first questions are about your operation: what you run, what you carry, the contracts you work under and where you are most likely to have a costly loss.
One Truck Is Welcome
An owner-driver usually needs a commercial motor policy, which covers the truck itself, with cargo and liability cover alongside it. We arrange those together so they work as one package.
Commercial Truck InsuranceGrowing Fleets Get a Fleet Policy
Insurers usually move you onto a fleet schedule, one list of every vehicle on a single policy, at around sixteen units. There is no hard number, so it is worth asking before you get there.
Motor Fleet InsurancePlant and Equipment as Well
Excavators, loaders, graders and other mobile plant can be arranged alongside your vehicles. That way one broker sees the whole operation.
Plant and equipment insuranceHard to Place Risks Get a Proper Look
A claims history, an older fleet or an insurer that has turned you down before can make cover hard to find. We go to the specialist underwriters, the people at the insurer who decide whether to take a risk. If the answer is no, we tell you straight.
All the cover we arrangeHow We Handle Claims
Once everyone is safe, take photos, get the driver's details and write down what happened.
Then call us as early as you can, so the insurer hears about the claim properly from the start.
The insurer decides the claim under the terms of your policy. Our job is to deal with the insurer for you and follow it up while it is assessed.
What We Do Once You Call
We notify the insurer
We notify the insurer of the claim for you and help get the notification right.
We Help With the Paperwork
We help you pull the documents together and follow up the parts of the assessment that stall.
We are your one point of contact
Once a claim gets escalated, more people get involved. We keep the communication between you, the insurer and everyone else in one place.
We keep your renewal in mind
Claims can affect your premium at renewal. So we talk to the insurer about how the repair is done, for example whether a sound second-hand part will do the same job as a brand-new one, to keep the claim cost down.
Talk to a Broker Who Works in Transport
Already insured? We can go through how your cover is set up now and tell you whether it still suits the operation.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.