Prime Mover Insurance
Your prime mover is the engine room of the business. When it is off the road, the income stops with it.
We arrange prime mover insurance that protects the truck, your liability and your ability to keep earning.
One specialist broker who understands heavy transport, not a call centre script.
Insurance Built Around the Truck That Earns
A prime mover is a major capital asset working in a high-risk environment every single day.
A single accident can mean repair bills, a written-off unit and weeks without an income.
We structure cover that responds quickly and keeps a replacement option on the table, so a bad day does not become a bad year.
“When the prime mover stops, the whole operation stops. Cover has to bring it back quickly.”
What Prime Mover Insurance Typically Covers
Cover is tailored to how you run, but a prime mover policy generally includes the following.
- Accidental damage, collision and rollover to the prime mover
- Fire, theft and attempted theft of the vehicle
- Third-party property damage caused by the truck
- Towing, recovery and salvage after an incident
- Replacement vehicle or downtime options while repairs are arranged
- Fitted accessories, bull bars, fridges and communications gear
- Windscreen and glass cover
- Cover while loading, unloading and coupling to trailers
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 Prime Mover Faces
Heavy vehicles carry exposures a standard motor policy was never designed for.
Long-Haul Fatigue and Collision
Long distances and tight schedules raise the odds of a serious at-fault or not-at-fault accident.
High Repair and Replacement Cost
A late-model prime mover is a six-figure asset, and downtime while it is repaired hits cash flow hard.
Liability to Others
A heavy vehicle incident can cause significant damage to other vehicles, property and infrastructure.
Cover Types That Work With Prime Mover Insurance
Most operators pair the truck policy with one or two of these so there are no gaps.
Get Prime Mover 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 Prime Mover 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 25Prime Mover Insurance: Frequently Asked Questions
Yes. Prime mover and heavy vehicle cover is built around commercial use, much higher values, trailer coupling and the liability a heavy truck carries, none of which a standard car policy handles properly.
Absolutely. We arrange cover for single owner-drivers as well as larger fleets, structured around how you actually operate.
The prime mover policy covers the truck. Trailers are usually scheduled separately, and we can arrange trailer cover so the whole rig is protected.
We can include downtime or replacement vehicle options so a major repair does not cut off your income entirely. We will explain what each insurer offers.
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.