Heavy Motor Insurance

If you’re in heavy haulage with large rigids or prime movers, you need to have specialised heavy motor insurance cover to help protect your key assets.

What is Heavy Motor Insurance?

Heavy motor insurance is designed to protect your heavy vehicles, client cargo, transport operators, and more from the risks of logistics.

Heavy motor insurance can refer to a range of products, and may also be known as: transport operators insurance, commercial motor insurance, fleet motor insurance and transit insurance. It’s important to understand that while these terms are often used interchangeably, they can refer to very different types of cover.

With many different products covering different risks and liabilities, it’s important to discuss your coverage with your broker.
Having someone who understands your needs and options means they can create a solution that covers what’s important to you.

heavy motor insurance for rigids

What can be covered

What may not be

CIB staff | Consolidated Insurance Brokers

How can we help?

With access to a range of quality insurers, and policies not available to the public, we can offer you a range of competitive quotes. 

We’ll help you compare each of your options, so you can make the best decision for your heavy motor needs. 

For every new business quote and renewal, we break down all important changes and comparisons for you in plain English.

Heavy Motor insurance claim example

Mustafa is an owner driver with a prime mover he uses for interstate haulage. His main contractor requires him to have a Certificate of Currency showing coverage for his vehicle, the trailer he is towing, the goods he is carrying, and his public liability.  Mustafa also elects to take cover for “downtime” to give him replacement income if his truck is damaged.

Because Mustafa takes all these covers under a single Heavy Motor Insurance package, he only has to pay a single excess when an accident causes his trailer to overturn as well as damaging his own truck. Mustafa’s insurer pays the cost of repairs for his truck, the trailer, Mustafa’s lost income while it is repaired, and his client’s goods that he was carrying.

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Our Specialty

Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We'll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.

Great advice

As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

Your partner

We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

Frequently Asked Questions

There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:

  • Work on your behalf to secure you better protection through their negotiating power
  • Help you understand your risks and empower you to make better life / business decisions
  • Ensure insurers are held accountable to their promise to protect what you value during claims
  • Save you time and money by taking care of comparing and customising policies for your needs

What our Customers Say

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    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

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