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What is Semi Trailer Insurance
Semi trailer insurance is vital for transport operators who rely on their rigs to move freight across Australia. Whether you’re towing general goods, refrigerated cargo, or specialised loads, this insurance protects your semi trailer from damage, theft, accidents, and third-party claims. A comprehensive policy goes beyond the basics—covering repair or replacement costs, downtime losses, and even legal liability if your trailer causes damage or injury.
It’s not just about ticking boxes for compliance—it’s about protecting your investment and keeping your operation on the road. Without the right cover, a single incident can lead to costly repairs, business disruption, or worse. Semi trailers are often exposed to harsh conditions, long distances, and unpredictable hazards, so the right insurance helps safeguard your equipment and livelihood.
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Choosing the right insurance provider is key. You want someone who understands the unique risks faced by Aussie transport businesses—someone who can offer flexible, no-nonsense cover whether you’re hauling local or interstate. From single trailers to full fleets, customised policies make all the difference.
A solid semi trailer insurance policy may include cover for physical damage, public liability, loss of income, breakdown assistance, and even cover while your trailer is unhooked or parked. It’s built to support your business in real-world conditions—so you can keep moving without setbacks.
Truckie Cover is here to help. We know the transport game and we’re proud to support owner-drivers and logistics businesses across the country. Our team makes it simple to get the right semi trailer insurance in place—with expert guidance, competitive premiums, and fast claims that actually deliver when you need them.
Why Semi Trailer Insurance Matters
- Comprehensive Financial Protection
- Liability Coverage
- Cargo Insurance
- Business Continuity
Why Choose Us For Your Semi Trailer Insurance?
Our 4 Step Process
Truck Insurance, But Simple.
Step 1:
Tell Us About Your Setup
Let us know what you’re towing, where you operate, and what level of cover you’re after—online or over the phone.
Step 2:
Get a Custom Quote
We’ll put together a quote based on your specific trailer, risk profile, and business needs.
Step 3:
Choose Your Cover
Select from a range of flexible options—add extras like unhooked trailer cover, income protection, or breakdown assistance.
Step 4:
Ready to Roll
Once you’re signed up, you’re protected. No delays, no drama—just reliable insurance with Truckie Cover backing you all the way.
Quick Quote
Frequently Asked Questions
What does semi trailer insurance cover?
Semi trailer insurance can provide a wide range of protection, depending on the type of policy you choose. Standard coverage typically includes accidental damage, fire, theft, and third-party liability. You can also add options like cargo insurance, loss of income, breakdown assistance, and cover while your trailer is unhooked. This kind of insurance is designed to protect not just the trailer itself, but your ability to keep operating your business smoothly.
Do I need insurance for an unhooked semi trailer?
Yes, you do. Even when your semi trailer is not attached to a prime mover, it can still be involved in accidents, damaged by fire or weather, or targeted by theft or vandalism. Many claims happen when trailers are parked in depots or rest areas. Unhooked trailer insurance ensures that your equipment is protected at all times—not just while it’s on the move.
Can I insure both the truck and trailer under one policy?
Absolutely. Many operators find it more convenient to combine their prime mover and semi trailer into one comprehensive insurance policy. This not only simplifies your paperwork but may also offer better value and ensure that all parts of your rig are covered under the same terms and conditions. Whether you operate one truck or manage a fleet, bundled policies are an efficient option.
How much does semi trailer insurance cost in Australia?
The cost of semi trailer insurance can vary widely depending on several factors, including the type of trailer, what you’re hauling, how far you travel, your claims history, and the age and condition of your equipment. Operators hauling dangerous goods or high-value cargo might pay more than those carrying general freight. At Truckie Cover, we provide personalised quotes so you only pay for the protection you actually need—no cookie-cutter pricing.
Is semi trailer insurance tax deductible?
Yes, in most cases your semi trailer insurance premiums can be claimed as a tax-deductible business expense. This includes both compulsory and optional cover types, provided they are related to your income-earning activity. It’s always a good idea to speak to your accountant or tax advisor to make sure you’re claiming correctly and getting the full benefit come tax time.