Chassis and fitted body
Damage to the truck and to the body, tipper, crane or tank fitted to it, where the fit-out has been declared.
UD Trucks Insurance
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UD Trucks Insurance
Cover for UD Croner, Quon and earlier UD models in Australian fleets.
UD sits in the middle of the Australian market, and most UD conversations come down to two things: what the truck does all day, and what body is on the back of it. The chassis is only part of the value once a tipper body, a crane, a fridge unit or a curtain-sided body has been fitted, and insurers price the combination rather than the badge.
What is it?
UD Trucks is a Japanese manufacturer with a long history in Australia, previously sold here as Nissan Diesel. The current Australian range centres on the Croner in medium duty and the Quon in heavy duty, used for distribution, tipper and dog work, waste collection, agitator work and regional line haul. Earlier Condor and PK models remain in service in many fleets.
What does ud trucks insurance cover?
Downtime
Lost income while the truck is being repaired, generally with a waiting period and a daily limit.
Liability arising from use
Third-party injury or property damage connected with operating the truck on road or on site.
What affects the cost?
- Model and GVM - medium or heavy duty
- Body type and the work the truck is used for
- Radius of operation and route type
- Age of the unit and its replacement value
- Driver age, licence class and claims history
Worth raising on the call
- The body is often worth more than the chassis, so it deserves its own valuation.
- Older Nissan Diesel and Condor units can be hard to value, which makes agreed value worth discussing.
- Changing what the truck carries usually changes the rating, so raise it before the new work starts.
Claims we are commonly asked about
Raised tipper body hits an overhead
A body is left raised after tipping on a delivery site and contacts a power line or an awning as the truck moves off. Damage to the hoist, body and the third-party asset is the usual shape of it, and it is a claim insurers see on tipper work constantly.
Low-speed hit damages a tail lift
A Croner on a metro distribution run takes a rear-end knock at a set of lights. The chassis damage is minor, but the fitted body and tail lifter often carry the longer repair and the parts delay that goes with it.
Cab fire from a wiring fault
An older unit develops an electrical fault in the body wiring and the cab is destroyed by fire while parked. The difficult part of a claim like this is valuing a model that is no longer sold new, which is why the settlement basis matters.
Worth confirming in the wording
- Worth confirming whether the fitted body, tail lift, crane, agitator or tank is listed at its own value rather than assumed to be inside the chassis figure.
- Worth confirming how an older Condor, PK or Nissan Diesel unit will be valued at claim time, and whether an agreed value is available for it at all.
- Worth confirming whether damage occurring while the body is being loaded, tipped or operated is covered, since some wordings treat operation of fitted equipment separately to driving.
Common questions
Is a UD cheaper to insure than a European truck?
Sometimes, though it is not a rule. Replacement value and parts pricing generally sit lower than a premium European unit, but the work the truck does, the body fitted to it and the driver profile usually move the premium more than the make. Two identical UDs on different work can rate very differently.
Does the policy cover the tipper body and hoist?
It generally can, provided the body has been declared and given its own value. On tipper, crane and tank work the fit-out is frequently worth more than the chassis, so a value taken from a bare chassis price will typically fall short. Ask for it to be itemised on the schedule.
What happens if I change what the truck carries?
Tell your broker before the new work starts. Rating is built around the use declared, so moving from general distribution into tipper and dog, waste or agitator work commonly changes both the premium and the appetite. A change made quietly is the kind of thing that complicates a claim later.
Can I get agreed value on an older UD?
It depends on the insurer, the age of the unit and what evidence you can produce. A recent valuation, service history and photographs generally help the case, particularly for older Nissan Diesel and Condor models that are hard to price from market data. It is worth asking rather than defaulting to market value.
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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