Truck and declared accessories
Damage to the unit plus bullbars, lighting, sleeper fit-out and other extras where these have been listed.
Volvo Truck Insurance
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Volvo Truck Insurance
Cover for Volvo FH, FM, FMX and FE trucks working across Australia.
Volvo builds heavy trucks at Wacol in Queensland for the Australian market, which helps with parts and repairer access but does not change the underlying cost problem. A modern Volvo cab carries radar, cameras and driver-assistance hardware, so a moderate front-end hit involves electronics as well as panels. High-spec sleepers also carry a lot of value that needs declaring.
What is it?
Volvo Trucks sells a medium and heavy range in Australia including the FH and FM highway prime movers, the FMX for construction and vocational work, and the FE and FL in distribution duties. Units run as single trailer, B-double and road train combinations, and are supported through the Volvo Group Australia dealer network alongside the Mack brand.
What does volvo truck insurance cover?
Downtime
Lost income while the truck is off the road being repaired, subject to a waiting period and a daily limit.
Liability arising from use
Third-party injury or property damage connected with operating the truck, separate from damage to the truck.
What affects the cost?
- Model and application - highway, vocational or distribution
- Combination type - single, B-double or road train
- Agreed value including accessories and fit-out
- Interstate, regional or metropolitan operation
- Driver experience, telematics and overnight parking
Worth raising on the call
- Camera and radar calibration after a front-end repair adds cost and time a downtime period should allow for.
- Agreed value generally suits a highly specified sleeper better than market value.
- Aftermarket bullbars, lights and fit-out usually need to be declared to form part of the cover.
Claims we are commonly asked about
Front-end hit disables driver assistance
A moderate collision damages the bumper, radar module and camera mounting on an FH. The panel work is straightforward, but recalibration and coding of the safety systems adds cost and keeps the unit off the road longer than the visible damage suggests.
FMX tips on soft site ground
A vocational unit tipping on made ground at a construction site goes over onto its side. Damage spans the cab, the body and the hydraulics, and site conditions and the tipping procedure are reviewed as part of the assessment.
Prime mover taken from a yard overnight
A unit is stolen from a depot and recovered days later with damage and components missing. Recovery timing and parts availability generally make the downtime and hire-truck arrangements the practical issue rather than the repair itself.
Worth confirming in the wording
- Worth confirming whether calibration, diagnostic and programming costs after a repair form part of the covered repair, since on a modern cab they can be a meaningful share of the bill.
- Worth confirming whether the policy directs repairs to particular workshops, and what happens when a dealer network repairer is not available in the region you break down in.
- Worth confirming that the combination the truck actually runs, whether single trailer, B-double or road train, has been declared, since usage sits directly behind the rating.
Common questions
Are Volvo trucks expensive to insure?
They generally sit where their replacement value and repair complexity put them rather than in a category of their own. Local build and a broad dealer network help with parts and repairer access, while radar, camera and driveline electronics push repair costs up. Application, combination and driver profile still move the premium more than the badge.
Does insurance pay for radar and camera recalibration?
Where it is a necessary part of returning the vehicle to its pre-accident condition, it is commonly included in the repair, subject to the policy terms and the assessor's authorisation. It is still worth confirming, because it is a line item some operators only discover at repair time. Ask how it is handled before you need to know.
Should I take agreed or market value on a Volvo?
A highly specified sleeper generally suits agreed value, because the settlement figure is fixed at the start rather than argued after a total loss when accessories and fit-out are in dispute. Market value can be reasonable on an older standard unit. Either way it should be revisited each renewal.
Does the truck policy cover trailers I tow?
Generally not automatically. Owned trailers are commonly listed as their own items with their own values, and hired or borrowed trailers usually need to be picked up specifically. It is worth checking before you take on a trailer you do not own.
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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