The truck and body
Damage to the chassis, body, driveline and suspension while operating on site.
Dump Truck Insurance
0418 166 122Compare dump truck insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
By requesting a quote you accept our financial services guide and privacy policy. General information only.
Dump Truck Insurance
Cover for rigid off-highway dump trucks and small site dumpers.
Off-highway dump trucks never see a public road, so they sit outside motor cover and belong on a plant schedule. The claims that matter are haul road incidents, body damage from loading, and tyres, which on a large rigid truck are a serious cost in their own right. Small site dumpers at the other end have a completely different profile.
What is it?
This covers rigid off-highway trucks used in quarrying and mining, from makers such as Caterpillar, Komatsu, Hitachi and Bell, through to small articulated site dumpers from Thwaites, Wacker Neuson and Terex used on civil jobs. Road-registered tipper trucks are a separate class and are usually rated as heavy motor rather than plant, which changes which policy responds.
What does dump truck insurance cover?
Damage during loading
Body and canopy damage caused by the excavator or loader filling the tray.
Overturning and rollover
Rollovers on haul roads, tip heads and stockpile edges, subject to the policy terms.
What affects the cost?
- Truck size, value and hours
- Quarry, mine or civil site
- Haul road design and tip head management
- Tyre policy and spares held
- Operator training and site rules
Worth raising on the call
- Tyres are commonly excluded or sub-limited, and on large trucks that exclusion is significant.
- Off-highway trucks are not motor risks, so do not assume a fleet motor policy picks them up.
- Damage sustained at the tip head is frequent and worth checking against the wording.
Claims we are commonly asked about
Edge gives way at the tip head
A rigid truck backs up to a tip head to discharge and the windrow and edge material give way under the rear axles, putting the truck over the face. Recovery from a tip face is difficult and expensive, and the tip head management practices are usually examined closely afterwards.
Body cracked by oversize rock
A loading unit drops oversize shot rock from height and cracks the body floor and damages the cab canopy. Insurers commonly want to know whether this was a single event or the accumulation of many loads, because that determines whether it is damage or wear.
Site dumper rolls on a ramp
A small articulated site dumper rolls on a soft temporary ramp on a civil job, throwing the operator. As well as the machine damage there is generally a WHS notification, and the ROPS and seatbelt arrangements become part of the conversation.
Worth confirming in the wording
- Worth confirming whether tyres are covered in their own right or only when damaged in the same event as other insured damage, since on large off-highway trucks that is a material cost.
- Worth confirming whether damage occurring while tipping at a tip head or stockpile edge, including to the body and hoist rams, is covered rather than limited as a normal operating risk.
- Worth confirming whether the truck is covered during float loading, transport and unloading between sites, and whether the transport operator's carriers liability responds first.
Common questions
Does my fleet motor policy cover an off-highway dump truck?
Generally not. Off-highway rigid trucks are not registered road vehicles and are normally scheduled as plant, so a fleet motor policy is unlikely to respond. Road registered tipper trucks are the opposite case and usually sit under heavy motor. Getting each vehicle on the right policy matters, because assuming the motor policy picks up a site truck is a common and expensive mistake.
Do small site dumpers need to be insured separately?
Site dumpers are usually scheduled on the plant policy alongside other machines, though lower value units are sometimes left to sit under an unspecified small plant limit. That limit is often below the replacement cost of a modern dumper. Listing them individually is generally the safer approach, particularly where they are left on site overnight.
What does dump truck insurance cost?
It depends on the trucks and the site, and any figure before underwriting would be a guess. Truck size, value and hours, whether the site is a quarry, mine or civil job, haul road design and tip head management, tyre policy and spares held, operator training and site rules, and claims history are the main drivers. Whether tyres are covered materially changes the premium.
Is the material in the tray covered?
Your own spoil or product in the tray is generally not covered by the plant section, which is concerned with damage to the machine. Where you are carrying someone else's material, or material forming part of a contract works, different cover may be needed. It is worth confirming who owns the material and what happens if a load is lost or contaminated.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See mobile plant machinery insurance for the wider picture.
10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
Quotes That Are Fast And Easy
Get a quote fast. Compare quotes from multiple insurers. Get the best deal for your dump truck insurance.
How Do You Get Started?
We make dump truck insurance fast and easy at Insurance Time. Get a quote today.
-
Start a quote.
Fill the quote form above, or call us on 0418 166 122.
-
Quotes gathered.
Our team will approach insurers and gather your options.
-
You're covered.
Choose your option and receive your policy documents.
Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in dump truck insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Motor vehicles and fleets
Third party to comprehensive motor and fleet cover.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your dump truck insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.