Tow Truck Insurance
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Same-Day Coverage, Your Way
What is Tow Truck Insurance
Tow truck insurance is designed for businesses involved in vehicle recovery, roadside assistance, or transporting disabled vehicles. Whether you’re operating a single tilt tray or a fleet of heavy wreckers, this type of cover addresses the risks associated with towing operations—such as on-road accidents, property damage, or damage to vehicles being towed.
The nature of towing work can expose your business to unique liabilities. Depending on the structure of your policy, cover may extend to third-party liability, damage to your truck, or loss or damage to customer vehicles in transit. Identifying the specific risks your business faces can help in selecting appropriate insurance.
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Tow truck operators often work in high-pressure situations and varied environments—from busy highways to accident scenes—so it’s important to consider cover that suits these conditions. Insurance can also assist with managing business interruptions if your vehicle is taken off the road due to an insured event.
Policy options may include cover for vehicle damage, public liability, on-hook cover, and downtime. The right arrangement will depend on the size of your operation and the services you offer.
To find out what type of cover might be suitable for your business, request a free quote or contact a broker to explore your options.
What's Covered
- Accidental damage to your tow truck
- Fire, theft, and vandalism
- Collision and rollover incidents
- Towing and roadside recovery
What's Not Covered
- Normal wear and tear
- Mechanical or electrical breakdowns
- Damage caused by uninsured drivers
- Tow trucks that are unroadworthy
How Tow Truck Insurance Pricing Works
Tow truck insurance premiums are calculated based on several factors to ensure your coverage matches your vehicle, drivers, and how it’s used.
Tow Truck Type & Value
Driver History
Usage & Distance Travelled
Location & Storage
Claims History
Type of Loads Towed
Why Tow Truck Insurance Matters
- Wide-Ranging Financial Cover
- Third-Party Liability Protection
- On-Hook Vehicle Cover
- Supporting Operational Continuity
Who Is Tow Truck Insurance For
- Owner-drivers
- Small Fleet Operators
- Recovery & Transport Services
- Trades & Service Providers
- Metro & Regional Drivers
Why Choose Us For Your Tow Truck Insurance?
Our 4 Step Process
Truck Insurance, But Simple.
Step 1:
Tell Us About Your Tow Truck
Fill out our quick quote form with details about your tow truck, including the year, make, and model, as well as the coverage you need.
Step 2:
We Compare For You
Our team gathers quotes from multiple insurers, ensuring you get the best coverage at the best price.
Step 3:
Choose Your Policy
Select the coverage that suits you, and we’ll arrange same-day activation with flexible payment options.
Step 4:
Get Coverage Instantly
Once insured, you’ll receive your policy documents via email so you can hit the road with confidence.
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Frequently Asked Questions
What types of tow truck insurance might I need?
Tow truck insurance can include a range of covers such as vehicle damage, third-party liability, and on-hook or goods in care coverage. The types of insurance suitable for your business will depend on the nature of your operations.
How soon can cover be arranged?
Cover timeframes can vary. To get started, request a free quote online or contact our team to discuss your options.
Are flexible payment options offered?
Payment options may be available to suit different cash flow needs. Speak with us to find out what arrangements can be made for your policy.
How do I make a claim?
If you need to make a claim, contact us directly. We’ll provide guidance on the process and what’s required to move forward.
Can I cover more than one tow truck under a single policy?
If you’re operating multiple tow trucks, you may be able to explore fleet cover options. Get in touch for more details or to request a tailored quote.