Tow Truck Insurance
A tow truck only earns when it is on the road, and it works in the highest-risk spots on the network, breakdowns, prangs and busy roadsides.
We arrange tow truck insurance that covers the truck, the vehicles you carry and the liability that comes with recovery work.
Insurance for Tilt Tray, Towing and Recovery Work
A tow truck is a working asset that spends its day around damaged vehicles, traffic and unpredictable roadsides.
The biggest exposure is rarely the truck itself, it is the customer's vehicle sitting on your tray or hook.
We structure cover that protects the truck, the vehicles you move and your liability, so one bad recovery does not wipe out a month of work.
Tow Truck Insurance is one of the vehicles we cover under our Commercial Vehicle Insurance.
“A tow truck's biggest risk is the vehicle on the hook, someone else's asset, in your care.”
Paul CohalanFounding Principal Broker, All Trucks InsuranceWhat Tow Truck Insurance Typically Covers
Cover is tailored to how you operate, but a tow truck policy generally includes the following.
- Accidental damage, collision and rollover to the tow truck
- Fire, theft and attempted theft of the vehicle
- On-hook and on-tray cover for the customer vehicles you carry
- Tilt tray, hydraulics, winches, wheel-lift and recovery gear
- Third-party property damage caused by the truck or during recovery
- Public liability for incidents on the roadside and at the depot
- Towing, recovery and salvage of your own truck after an incident
- Replacement vehicle or downtime options while repairs are arranged
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 Tow Truck Faces
Recovery work carries exposures a standard motor policy was never designed for.
Damage to the Vehicle on the Hook
The moment you load a customer's car, their asset is in your care, and any damage in transit lands on you.
Busy, High-Risk Roadsides
Working on the shoulder of a highway with traffic passing close by is one of the most dangerous jobs on the road.
Liability During Recovery
A slipped load, a winch failure or a knock to nearby property can trigger a serious third-party claim.
Cover Types That Work With Tow Truck Insurance
Most towing operators pair the truck policy with one or two of these so there are no gaps.
Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Tow 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 25Tow Truck Insurance: Frequently Asked Questions
Yes, that is the key cover for a tow operator. On-hook and on-tray cover protects the customer's vehicle while it is loaded on your truck, and we make sure it is included and set at a realistic limit.
It depends on the truck, your claims history, where you operate and the cover you need. Because we are a broker, we compare insurers to find the right structure for your operation rather than a one-size price. Ask us for a tailored quote.
Yes. The tilt tray, winches, wheel-lift and hydraulics are part of how the truck earns, so we make sure the equipment is scheduled and covered, not just the cab and chassis.
It is strongly recommended. You work on busy roadsides and handle other people's vehicles, so a liability claim is a real risk. We can arrange public and transport liability alongside the truck policy.
Yes. Motor fleet insurance brings multiple tow trucks under one policy and renewal, with a shared claims history, which usually works out simpler than separate policies.
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.