Prime Mover Insurance

If you’re in heavy haulage with prime movers, you need to have specialised cover to help protect your key income-generating assets.

What is Prime Mover Insurance?

Prime mover insurance is designed to protect your truck, any trailers you’re towing (whether you own them or not), the cargo you’re carrying, your public liability as well as your income in case your prime mover is damaged in an accident.

You can buy all these insurances separately – but having a prime mover insurance package gives you increased peace of mind, knowing you only have 1 insurer to deal with who will assess and settle everything to do with your claim.

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.


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’ve worked with a large number of transport operators and owner-drivers for over 15 years.

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

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

Prime Mover 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.

Mustafa has an accident where his truck rolls damaging not only his vehicle, but the trailer and the goods he is carrying.  As Mustafa has a Prime Mover insurance package, he has a single insurer assess the claim, pay the cost of repairs for his truck and trailer as well as reimbursing him for his lost income while these repairs are underway.  They also directly pay his customer for the goods he was carrying that were damaged too!

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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 know transport inside and out — and have the best industry connections for your insurance needs.

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

With over 20 years broking experience, CIB are well positioned to assist with your heavy motor and prime mover insurance needs. We work with many medium-large transport operators, as well as a large number of owner-drivers. We also have established relationships with the biggest and best heavy motor insurers in the industry. 

On top of the above, when the unfortunate happens, our dedicated claims management can help get you back on the road and earning again faster.

Being out on the road travelling such long distances, heavy vehicles are frequently involved in accidents. With prime movers often being worth over $100,000, carrying large amounts of cargo the potential cost of losses is huge. 

It’s important to ensure that you, your asset, and the cargo it carries, are covered to protect you from losses and damage and get you back on track as quickly as possible.

What our Customers Say

109 James Street, New Farm

5.0 246 reviews

  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    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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