Concrete Truck Insurance
A concrete truck is a major capital asset, and the mixing gear on the back of it is a large part of that value.
We arrange cover for agitators, transit mixers, mini mix trucks and volumetric units, on the road and on site.
One specialist broker who understands the barrel, the drive and the delivery window.
Insurance for Agitators, Transit Mixers and Mini Mix Trucks
Several tonnes of wet concrete sitting high in a turning barrel is the single fact that drives an agitator's claims history.
Add tight residential access and a load that sets if the truck stops, and the exposure stops looking like an ordinary tipper's.
We place cover around the truck, the mixing gear and the work it actually does, rather than treating it as a generic heavy vehicle.
Concrete Truck Insurance is one of the vehicles we cover under our Commercial Vehicle Insurance.
“A truck off the road with a set load in the barrel is two losses at once, and the policy has to answer for both.”
What Concrete Truck Insurance Typically Covers
Every operation is priced on its own merits, but a concrete truck policy generally takes in the following.
- Accidental damage, collision and rollover to the truck
- The mixer barrel, drum drive, hydraulics and delivery chutes
- Fire, theft and attempted theft, including from a depot or batching plant
- Mechanical and electronic breakdown where it is included
- Damage while loading under a batching plant hopper
- Cover on customer sites, driveways and unsealed access tracks
- Public liability for incidents involving the truck
- Removal of debris and clean up after an insured incident
- Downtime and hire costs while the truck is off the road
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Concrete Truck Faces
A live load in a turning barrel produces a claims pattern that ordinary truck cover is not written around.
Rollover With a Loaded Barrel
Several tonnes of wet concrete sits high and keeps moving as the drum turns. Roundabouts, camber and soft shoulders account for a large share of agitator losses.
A Load That Goes Off
A breakdown, a site delay or a queue can set the load in the barrel. Chipping out a drum is slow, expensive and takes the truck out of service while it happens.
Damage on Tight Residential Sites
Kerbs, driveways, service pits, overhead lines and soft fill are all in play when you are reversing a heavy truck up an unfinished block to reach a pour.
Cover Types That Work With Concrete Truck Insurance
Most concrete carters pair the truck's own cover with one or two of these so there are no gaps.
Get Concrete Truck Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Concrete Truck Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Concrete Truck Insurance: Frequently Asked Questions
It is commercial motor cover written for a concrete agitator or transit mixer, taking in the truck itself plus the mixing barrel, drum drive and chutes. It is arranged around the way a concrete truck works, including tight site access and a load that has to be placed inside a set window.
The vehicle class is similar but the exposure is not. An agitator carries a live load that keeps moving and sits high, so rollover and load setting drive the claims history. We place it with insurers who price that properly rather than treating it as a standard tipper.
The barrel, drum drive, hydraulics and chutes are part of the insured unit on a properly written policy. It is worth confirming, because on some off the shelf motor policies the body is treated as an accessory with a sub limit.
That depends on why it set. Where it follows an insured event such as a breakdown or an accident the resulting damage is generally considered, and where it follows a scheduling failure it usually is not. We make the position clear at the quote stage rather than at claim time.
Yes, cover follows the truck onto site, which matters because most of the tight manoeuvring happens off the public road. Damage you cause to a customer's driveway, kerb or services is a liability question, so the liability side needs to be right too.
Yes. Mini mix trucks, volumetric mobile batching units and standard six to eight cubic metre agitators can all be covered. Volumetric units carry batching plant on board, so the sum insured and the description need to reflect that.
Yes. Once you are running several trucks a motor fleet policy usually works out better than separate policies, with one renewal date and a shared claims history. See our motor fleet insurance for how that is put together.
It can. Downtime or hire cost cover pays toward keeping the work going while the truck is off the road, which for a carter on a delivery schedule is often worth more than the repair itself.
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.