Heavy Motor & Fleet Insurance — Granite Belt Insurance Brokers
Granite Belt Insurance Brokers arranges heavy motor and fleet insurance for owner-operators, transport companies, contractors and rural businesses across the Granite Belt, New England and Northern Rivers. We understand the commercial requirements of financing, principal contractor obligations and fleet programs that change insurer appetite. See also: Truck Insurance and Earthmoving Insurance.
✅ What heavy motor and fleet insurance covers
- Physical damage — accidental damage, fire and theft to the vehicle, truck or plant unit (agreed or market value basis)
- Third-party property damage — damage caused to other people’s property in an accident
- Third-party bodily injury (CTP) — compulsory third party is a separate statutory obligation — heavy motor policies cover property damage liability
- Cargo and goods in transit — goods being carried in or on the vehicle (often a separate policy section)
- Downtime / substitute vehicle — daily benefit or hire cost while your vehicle is repaired (where included)
- Finance payout gap — difference between agreed value payout and outstanding finance if a vehicle is written off
⚠️ Common gaps in heavy motor cover
- Market value settlement when agreed value is needed to cover finance obligations
- Cargo cover absent — freight in transit is a separate risk that often gets overlooked
- Downtime benefit not included — loss of revenue during repair is significant for owner-operators
- Finance gap absent — insurer pays market value but financer requires full payout
- Driver conditions not met — unlicensed drivers, fatigue breaches or driver age restrictions
- Goods type excluded — dangerous goods, livestock or oversized loads require specific notation
How heavy motor cover is structured
- 1) Vehicle schedule — make, model, year, GVM, configuration, body type
- 2) Usage — primary use, load type, routes and operating radius
- 3) Driver profile — age, licence class, experience, fatigue management
- 4) Finance obligations — financer details, payout requirements, agreed value needs
- 5) Cargo or freight — type of goods, loading method, value per load
Making a claim
- Notify us immediately after any accident — do not move vehicles unless safety requires it
- Photograph all damage, tyre marks, road conditions and third-party vehicles
- Record driver details, licence numbers, hours worked and last rest break
- Contact police if required and obtain a report reference number
- Do not arrange repairs until the insurer has assessed the vehicle
Who this suits
- Owner-operators running prime movers, rigids or tippers
- Transport companies with mixed fleets of heavy vehicles
- Earthmoving and civil contractors with plant on road
- Rural businesses with farm trucks and trailers
Renewal checklist
- Update vehicle schedule whenever you buy, sell or modify a unit
- Review agreed values — truck replacement costs have increased significantly
- Confirm finance payout gap cover is in place for all financed units
- Check driver conditions against your current driver pool
Related pages
Truck Insurance · Earthmoving Insurance · Transport & Logistics · Contact Us
❓ Common questions
Here are questions we are commonly asked about heavy motor insurance by clients across the Granite Belt and New England.
- How much does heavy motor insurance cost? Premium depends on your specific situation — activities, asset values, cover type and claims history all affect the price. We compare options across multiple insurers and explain the differences clearly.
- Do I need a broker or can I go direct? You can approach insurers directly, but a broker compares multiple markets, structures cover to match your specific needs and advocates for you at claim time. For regional and rural risks, broker access often finds options not available direct.
- What happens when I need to claim? Contact us immediately. We manage the notification, help document the loss, liaise with the insurer and assessors, and advocate for a fair outcome.
- How do I know if I am underinsured? Your sum insured should reflect full replacement cost at today’s prices. We review sums insured at every renewal and flag concerns before a claim makes the shortfall real.
Get a quote or review
Granite Belt Insurance Brokers has been arranging insurance across the Granite Belt, New England and Northern Rivers for over 25 years. To arrange or review your heavy motor insurance, contact us without obligation.
- Call: 07 4681 1289 — Monday to Friday 8:30am to 5pm
- ✉️ Email: email hidden; JavaScript is required
- Request a quote or review online
Related pages
Truck Insurance · Earthmoving Insurance · Transport & Logistics · Contact Us
Why use Granite Belt Insurance Brokers
As an Authorised Representative of Community Broker Network Pty Ltd (CBN AFSL 233750) and a Steadfast Group member, Granite Belt Insurance Brokers has access to a broad panel of admitted insurers and products not available through direct channels. Our team holds formal qualifications including Diploma of Insurance Broking, QPIB and Senior Associate CIP (ANZIIF).
We act on your behalf — not the insurer’s — to help you understand your options, prepare information for underwriting, and support you through the claims process.
What to do next
If you would like to discuss your insurance requirements, contact us for a no-obligation conversation. We will help you understand what information is typically needed and what options may be available for your situation.
Call 07 4681 1289 · email hidden; JavaScript is required · Contact Us
All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal advice prior to acting on this information. Cover availability, terms, exclusions and premiums vary by insurer, product and individual circumstance.
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