Dump Truck Insurance
A dump truck spends its life on haul roads, not highways, and the cover has to be written for where it actually works.
We arrange dump truck insurance for articulated and rigid haul trucks, on site, in the pit and while they are floated between jobs.
One specialist broker who understands off-road haulage, not a call centre script.
Insurance for Articulated and Rigid Dump Trucks
Off-road dump trucks are among the most expensive machines on a site and the hardest worked, running loaded laps of a haul road all shift.
Most never see a public road, so they sit outside ordinary commercial motor cover and belong on a plant and machinery policy instead.
We place cover that matches how the machine is registered, where it works and who is loading it, rather than treating it as a big tipper.
“A haul truck is not a tipper with bigger tyres. It is unregistered plant working a pit, and the policy has to say so.”
What Dump Truck Insurance Typically Covers
Cover is built around the machine and the site it works, but a dump truck policy generally includes the following.
- Accidental damage, collision and rollover to the truck
- The body, tailgate, hoist and tipping gear
- Fire, theft and attempted theft, including out of a remote pit
- Mechanical and electronic breakdown where it is included
- Cover while the machine is parked up on site overnight
- Transit cover while the truck is floated between sites
- Damage caused during loading by an excavator or loader
- Public liability for incidents involving the truck on site
- Hired-in plant cover when you bring a haul truck in for a job
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 Dump Truck Faces
Loaded laps of a haul road produce a very particular claims pattern.
Rollover on a Haul Road
A loaded body sits high and the roads are unsealed, cambered and often wet. Rollovers and edge slips are the claims haul trucks are known for.
Loading Damage From Above
The machine loading you is dropping tonnes of rock from height. Body, canopy and cab damage from a mis-tipped bucket is common and easy to argue about.
Tyres, Suspension and Struts
Off-road tyres and suspension struts are eye-watering to replace and take the full punishment of a rough haul road every lap.
Cover Types That Work With Dump Truck Insurance
Most operators pair the machine's cover with one or two of these so there are no gaps.
Get Dump 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 Dump 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 25Dump Truck Insurance: Frequently Asked Questions
It depends on registration. An unregistered articulated or rigid haul truck that never leaves site is generally written as mobile plant, while a registered dump body truck that uses public roads is written as commercial motor. We place it where it actually belongs rather than where it is easiest.
A tipper is a registered road truck that carts material on public roads. A dump truck is an off-road machine, articulated or rigid, built to haul on a site or in a pit and usually not registered. They face different risks, so they are underwritten differently.
Accidental damage cover responds to rollover, which matters here because unsealed, cambered haul roads and a high loaded body are exactly what causes them. We confirm the terms with the insurer rather than leave you to assume.
It generally is, and it is worth checking. A dropped bucket can damage the body, canopy or cab, and whose policy answers depends on who was operating the loading machine. We make sure the position is clear before it happens.
Damage from an insured event is covered. Ordinary wear on tyres and struts is not, which is normal, but the parts are expensive enough that it is worth knowing exactly where the line sits on your policy.
Yes, transit cover is a core part of the policy. Moving a machine this size is a high-risk phase, so we confirm the cover follows it onto the float.
Usually yes. Hired-in plant cover means the hire company's claim does not land on you while the machine is in your care, and it can pick up continuing hire charges if it is off the job.
Yes. We arrange cover for haul trucks working mining, quarry and civil operations, and we place it with insurers who understand off-road haulage rather than treating it as ordinary motor.
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.