Commercial Truck Insurance
Biima
Transport Industry Regulation and Legislation
The Transport Industry is highly regulated. Relevant legislation and regulations includes:
- Australian Road Rules and Regulations.
- Compulsory Third Party Insurance.
- Road Safety and Accreditation, including areas such as:
- – Driver Fatigue Management.
- – Maintenance and Roadworthiness.
- – Loading and Chain of Responsibility
- – Carriage of Dangerous Goods.
- – Emission Standards
Truck Insurance Australia: Comprehensive Coverage for YOUR Fleet
We know the unique challenges that trucking businesses in Australia face. Our commercial truck insurance plans are made to fit the exact needs of the trucking industry in Australia. As experienced truck insurance broker, we provide different types of insurance to protect YOUR trucks, goods, and business activities.
Cover Options:
- Commercial Motor Insurance (Includes Trucks, Owned Trailers and Trailer in Control)
- Downtime (Only available with Commercial Motor Insurance)
- Public Liability
- Marine Cargo (Goods in Transit)
The key industries that benefit from a Truck insurance policy include –
- Logistics and transport
- Construction
- Delivery and courier services
- Tradespeople and contractors
- Rental motor businesses
Whether YOU own one truck or many, our truck insurance covers various risks, such as:
- Damage to YOUR Truck
- Damage to other people’s vehicle/ property
- Goods Damaged in Transit (Marine / Cargo / Goods in Transit Insurance)
- Damage to Third Party Property or Bodily injury due to YOUR business activities (Public Liability Insurance)
- Business stoppage (Down-time)
- Personal injury and sickness
YOU can also get tow truck insurance and light truck insurance. Our highly specialised agents can assure YOU that they always prioritise YOUR specific needs when searching for the best and most affordable insurance plan.
We know that every trucking business is different, and we take pride in offering personalised service to ensure YOUR insurance matches YOUR unique needs.
Connect with our experienced brokers to find and compare tailor-made truck insurance policies from various insurers in the market that are customised for YOUR business needs. We aim to simplify the insurance process for trucking businesses in Melbourne and throughout Australia.
Truck Insurance
Insurances
Insurances We Provide
At BIIMA, we bring YOU a full spectrum of insurance policies from leading market players to protect YOU, YOUR assets and YOUR business – manage risks and live with added peace of mind.
Why Choose BIIMA for YOUR Commercial Truck Insurance Needs
01
Tailored Solutions
Providing personalised insurance support for businesses and individuals since 2015.
02
Diverse Portfolio
A rich insurance portfolio – 85% commercial and 15% personal insurance.
03
Customer-First
We keep YOUR interest, YOUR need, and YOUR satisfaction at the CORE of our Insurance Solutions.
04
Multilingual Experts
We have a multilingual team, so language would never be a barrier to us.
Connect with our experienced brokers to explore customised truck insurance solutions tailored to YOUR Melbourne business.
Insurance by Industry
Industries We Cater
We assess risks and vulnerabilities inherent to YOUR industry and ensure YOU are covered where it matters the most. Whether YOU are a small enterprise or a large-scale business, access tailored insurance solutions with us. Diverse industries, ONE Insurance Broker firm!
Commercial Insurance for Trucks: Protecting YOUR Business on the Road
We provide complete truck commercial motor insurance, helping YOUR business run smoothly and confidently. We know that YOUR trucks are crucial to YOUR business, so our insurance plans are made to offer strong protection against many types of risks.
As experienced truck insurance experts, we partner with top insurers to provide great rates without cutting back on coverage. We keep track of industry changes and regulations to ensure YOUR insurance stays up-to-date and thorough.
When YOU get truck insurance online with us, YOU get the advantage of our simple process and expert advice. We also offer one-on-one service for those wanting to discuss their insurance needs in depth.
Whether YOU need insurance for light trucks or heavy-duty hauling, we have the know-how to secure insurance that can safeguard YOUR trucking business. We know how crucial it is to keep YOUR trucks running, so our policies include fast claims processing and options for replacement vehicles (Via down-time).
Choose us for YOUR truck insurance needs and enjoy the peace of mind of knowing YOUR business is protected by the right insurance.
Most Asked Queries
Frequently Asked Questions
What kinds of trucks are included in commercial truck insurance?
We offer commercial truck insurance that covers various vehicles used in the trucking business. These include:
- Rigid Trucks
- Prime Movers
- Trailer (Owned & Trailer in Control)
- Tipper Trucks
- Dump trucks and concrete mixers
- Flatbed trucks
- Refrigerated trucks
- Tanker trucks
- Tow trucks
- Light commercial vehicles
- And many more
Our insurance plans can be customised to fit specific types of trucks and their uses. Whether running a single delivery van or overseeing a fleet of large trucks, we ensure YOU have the right coverage.
We also provide specialised insurance options, such as tow truck insurance, for businesses in the vehicle recovery industry.
What factors affect the cost of truck insurance?
Many things can affect how much YOU pay for truck insurance:
- Truck size and cost: Bigger, more expensive trucks usually cost more to insure.
- Cargo type: Dangerous or valuable cargo might make YOUR insurance more expensive.
- Driving distance: Long-distance trucking often costs more to insure than local driving.
- Driver experience and record: Experienced drivers with good records can help lower YOUR insurance cost.
- Past claims: If you’ve made many claims before, YOUR insurance might cost more.
- Safety features: Applying safety technology may help YOU spend less on YOUR insurance policy.
- Coverage and deductibles: More coverage increases cost, but higher deductibles can lower it.
- Where YOU drive: Driving in areas with many accidents or bad weather can affect YOUR cost.
- Garage Postcodes: Trucks garaged in certain postcodes can cost more compared to other postcodes.
We help YOU understand these factors and find ways to get the best coverage while keeping costs down.
How can I reduce my truck insurance premiums?
Here are some ways to possibly reduce YOUR truck insurance costs:
- Create a strong safety plan: Regular driver training and safety meetings show dedication to lowering risks.
- Use safety technology: Tools like dashcams, reverse cameras, GPS tracking, and anti-theft devices can lower risks and possibly reduce premiums.
- Maintain a clean driving record: Encourage YOUR drivers to practice safe driving.
- Select suitable deductibles: Higher deductibles can lower premiums, but ensure they fit your business budget.
- Combine policies: Getting multiple insurance products from one provider often leads to discounts.
- Maintain YOUR vehicles regularly: Well-kept trucks are less likely to be in accidents.
- Check YOUR coverage often: Ensure you’re paying for only what YOU need.
- Work with knowledgeable brokers: We can help YOU find the best insurance options.
How do I lodge a claim on my truck insurance policy?
To file a claim on YOUR truck insurance through BIIMA, follow these steps:
- Ensure safety: First, ensure everyone is safe and call for help.
- Document the incident: Take pictures and collect information from anyone else involved.
- Contact BIIMA: Notify us as soon as possible about the incident.
- Provide details: Give us all the important information about what happened.
- Claim lodgement: We will lodge the claim with YOUR insurer on YOUR behalf.
- Follow-up: We’ll liaise between YOU and the insurer throughout the claims process.
Remember, reporting quickly and providing comprehensive details can facilitate a smoother claims process. BIIMA is here to assist YOU in navigating the claims procedure and ensuring it’s correctly processed with YOUR insurer.
How does truck insurance renewal work and what is BIIMA's process?
At BIIMA, we handle YOUR insurance renewals through a stress-free process intended to guarantee endless protection for YOUR trucking business. Our renewal management entails:
- Proactive notification 4-6 weeks before policy expiry.
- Comprehensive review of YOUR current coverage and business changes.
- Market comparison and negotiation with multiple insurers.
- Complete documentation and paperwork handling.
- Updated certificates of currency and payment schedule setup.
- Ongoing support throughout the renewal transition.
YOU don’t need to track renewal dates – we’ll contact YOU when it’s time and manage the entire process to keep YOUR business protected.