Vehicle and fitted body
Damage to the cab and chassis together with the tray, tipper, box or crane fitted behind it.
Hino Truck Insurance
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Hino Truck Insurance
Cover for Hino light, medium and heavy rigids and prime movers in Australia.
Hino covers three fairly distinct jobs in Australia: light rigid delivery and trade work, medium-duty distribution, and heavy rigid or prime mover roles. The insurance conversation changes completely between them, so identifying the series and the body fitted settles more than almost any other detail on the quote. Downtime and equipment values do the rest.
What is it?
Hino is Toyota's truck brand and one of the larger sellers in the Australian market. The 300 Series covers light-duty and car-licence 4.5 tonne applications, the 500 Series handles medium-duty and heavy rigid roles, and the 700 Series sits at the heavy end including prime movers. Most are sold as cab-chassis and bodied locally to suit the work.
What does hino truck insurance cover?
Downtime while off road
Income lost while the truck is off the road being repaired, subject to the waiting period and daily limit.
Liability and freight
Third-party damage arising from the vehicle, with customer goods generally handled by carriers cover.
What affects the cost?
- Series and GVM
- Body or equipment fitted and its declared value
- Application - delivery, trade, tipper or linehaul
- Radius of operation
- Driver experience and fleet claims record
Worth raising on the call
- Confirm whether the vehicle is insured at agreed or market value, especially on late-model units.
- Cranes, tail lifts and refrigeration units should be scheduled rather than assumed to be included.
- Finance interests on the vehicle normally need to be noted on the policy.
Claims we are commonly asked about
Pantech strikes a clearance beam
A 300 Series box body enters a shopping centre loading area and catches the clearance beam, peeling the roof edge and bending the door frame. The centre generally claims for the structure while the truck sits off the road, so the repair and the liability run in parallel.
Crane truck drops a pallet
A 500 Series vehicle-loading crane loses a pallet of pavers onto a residential driveway, cracking the concrete and destroying the product. Damage to the customer's property, damage to the goods and any injury are commonly three different questions under three different sections.
Loaded rigid tips on a wet roundabout
A high, part-loaded 700 Series takes a roundabout at the posted speed on a wet morning and goes over onto its side. Rollover claims usually involve towing and recovery, cargo loss and a lengthy repair, so the downtime terms matter as much as the repair estimate.
Worth confirming in the wording
- Worth confirming whether tail lifts, cranes and refrigeration units carry their own sums insured, and whether their mechanical breakdown - as distinct from accident damage - is addressed anywhere.
- Worth confirming how damage caused while the truck is being loaded or unloaded by someone else's forklift is treated, and which section is expected to respond.
- Worth confirming what the policy says about drivers not named on the schedule, including labour hire, casual and relief drivers, and whether a higher excess applies to them.
Common questions
Does truck insurance cover mechanical breakdown?
Generally no. Motor policies are built around sudden accidental damage, and wear, fatigue and mechanical or electrical failure are commonly outside that. Breakdown is usually a warranty or separate mechanical protection question rather than an insurance one, so it is worth checking what the wording actually says.
What is downtime cover and is it worth carrying?
Downtime cover pays a daily amount for income lost while the truck is off the road after a covered claim, usually after a waiting period and up to a set number of days. It tends to matter most for owner drivers and single-truck operators where there is no spare unit. Sizing it against realistic repair and parts timeframes is the useful exercise.
Do I need to tell the insurer if I fit a new body mid-term?
Yes, generally. Fitting a crane, tail lift, fridge unit or new body changes both the value at risk and how the truck is used, and insurers usually expect to be told during the policy period rather than at renewal. Notifying at the time keeps the sum insured aligned with what is actually on the chassis.
What does Hino truck insurance cost?
It depends heavily on which series and what job it does. A 300 Series on suburban delivery, a 500 Series crane truck and a 700 Series prime mover are three different risks, and body value, radius of operation, driver profile and claims record all feed in. A broker can put the actual specification to several insurers.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See truck insurance for the wider picture.
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