Vehicle, body and crane
Damage to the truck, the service body and the fitted crane, compressor and welding plant where these have been declared.
Service Truck Insurance
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Service Truck Insurance
Cover for field service trucks carrying tools, cranes, welders and compressors.
A service truck is a workshop that drives to the breakdown. Most of its value sits in what is bolted to and stored in the body: a service crane, a welder, a compressor, lube tanks, torque tools and a full set of hand tools. Cover for the vehicle alone rarely reflects that, and site access requirements from mines and principals add another layer.
What is it?
Service trucks are rigid trucks fitted with a purpose-built service body, commonly carrying a knuckle-boom or telescopic service crane, an air compressor, a welder, oil and grease reservoirs, a generator and secure tool storage. They are used by mobile mechanics, plant maintenance contractors, mining and civil support crews and heavy vehicle field service operators across regional Australia.
What does service truck insurance cover?
Tools and equipment
Hand tools, power tools and portable equipment carried in the body, generally under a tools of trade section with its own limit.
Liability on site
Third-party injury or property damage while working on a client's site, which sits under liability rather than motor cover.
What affects the cost?
- Value of the body, crane and fitted plant
- Total value of tools carried
- Mine site, civil or workshop-based work
- Where the truck is parked overnight
- Radius of operation and remote work
Worth raising on the call
- Tools of trade limits are often set once at purchase and never reviewed as the kit grows.
- Faulty workmanship on the job you were doing is generally excluded, and that is a separate discussion.
- Mine and principal contracts usually specify liability limits, so check them before renewal.
Claims we are commonly asked about
Tools stripped from the body overnight
A truck left in a suburban street between jobs has the toolboxes levered open and torque tools, lead sets and hand tools taken. How far the claim goes generally depends on whether the tools of trade limit still matches the kit actually carried and whether the body was locked and secured.
Crane load swings into a customer's machine
A service crane is slewing a gearbox across a workshop pad when the load swings and strikes the customer's excavator. The damaged property belongs to someone else, so this sits on the liability side rather than the truck section, and care and control wording matters.
Truck rolls on a wet access road
A service truck slides off a wet mine access road and rolls onto its side, damaging the body, crane, compressor and everything stored inside. Settlements like this expose whether the tools and fitted plant were valued separately or lumped into a single vehicle figure.
Worth confirming in the wording
- Worth confirming whether tools stolen from a locked but unattended vehicle overnight are covered, and whether any condition applies about forced entry, alarms or where the truck is parked.
- Worth confirming how property in your physical or legal control is treated, since damage to the customer's machine you were working on is commonly handled differently to general public liability.
- Worth confirming whether current crane inspection, registration and operator competency records are a condition of a claim involving a lift, and who is authorised to operate the unit.
Common questions
Are my tools covered if they are stolen out of the truck?
Tools are typically covered under a tools of trade or business property section rather than the motor section, with its own limit and conditions. Overnight theft from an unattended vehicle is commonly where restrictions appear, so it is worth reading that part closely. Keep a current itemised list, because the limit is only useful if it reflects what you actually carry.
Does it cover the machine I am repairing if I damage it?
Not always under standard public liability. Property in your care, custody or control is generally treated as its own extension with a separate limit, and it is the section that matters most for field service work. Raise the largest machine you realistically work on so the limit is set against something real.
What does service truck insurance cost?
It depends far more on the build than the badge. The value of the body, crane, compressor and welder, the total tools carried, whether you work mine sites or suburban workshops, the radius you travel and where the truck sleeps all feed the rating. A broker can put those specifics to more than one insurer rather than guessing at a figure.
Do I need public liability as well as the truck policy?
Usually yes. A motor policy generally responds to liability arising from use of the vehicle, while work performed on site, faulty workmanship allegations and damage to property you are working on typically sit under a separate liability policy. Mine and principal contracts commonly specify what limit you must hold.
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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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.