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Tow Truck Insurance
Tow truck insurance or wrecker insurance or recovery truck insurance is essential protection for business owners or operators facing daily risks on roads in Australia. Whether you're running a single tow truck or managing a fleet across NSW, QLD, VIC, or nationwide, tow truck liability insurance protects your business from costly claims and legal liabilities.
What Does Tow Truck Insurance Cover?
Why Tow Truck Insurance Is Essential In Australia
Tow truck business insurance isn't just smart business practice - it's often legally required across Australian states.
Comprehensive Truck Coverage
Full protection against collision, theft, fire, storm damage, vandalism, and more. Affordable premiums ensure your business stays covered, with repair costs and replacement vehicles included.
Customer Vehicle Protection
On-hook liability insurance safeguards vehicles being towed using hooks, tilt-tray, or jib and boom mechanisms. It covers the repair or replacement costs if a customer’s vehicle not owned by you gets damaged while in transit for collection or delivery, within a 200-metre radius of the tow truck.
Business Continuity
Business interruption insurance helps your business recover from unexpected losses and continue normal operations without major setbacks.
Marine Cargo Insurance
Items not insured under hook liability, like machinery on the tray, are covered Australia-wide under this policy. It protects against loss, theft, or damage during transit, with cover limits of $100,000, $250,000, or $500,000.
Public Liability Insurance
This insurance covers you against legal liability to pay compensation if a third party suffers injury, loss, or property damage due to your business services or activities.
Comprehensive Truck Coverage
Full protection against collision, theft, fire, storm damage, vandalism, and more. Affordable premiums ensure your business stays covered, with repair costs and replacement vehicles included.
Comprehensive Truck Coverage
Full protection against collision, theft, fire, storm damage, vandalism, and more. Affordable premiums ensure your business stays covered, with repair costs and replacement vehicles included.
Customer Vehicle Protection
On-hook liability insurance safeguards vehicles being towed using hooks, tilt-tray, or jib and boom mechanisms. It covers the repair or replacement costs if a customer’s vehicle not owned by you gets damaged while in transit for collection or delivery, within a 200-metre radius of the tow truck.
Business Continuity
Business interruption insurance helps your business recover from unexpected losses and continue normal operations without major setbacks.
Marine Cargo Insurance
Items not insured under hook liability, like machinery on the tray, are covered Australia-wide under this policy. It protects against loss, theft, or damage during transit, with cover limits of $100,000, $250,000, or $500,000.
Public Liability Insurance
This insurance covers you against legal liability to pay compensation if a third party suffers injury, loss, or property damage due to your business services or activities.
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Why Choose Professional Tow Truck Insurance?
Australia's Essential Business Protection
Fast Quote Processing
Get competitive tow truck insurance Australia quotes in under 24 hours with streamlined application processes designed specifically for busy operators.
Expert Claims Support
Dedicated claims teams with tow truck industry experience ensure faster settlements and minimized business disruption when support is needed most.
Competitive Premiums
Best tow truck insurance provider pricing through extensive insurer networks. Negotiate affordable premiums for tow trucks without compromising coverage quality.
Nationwide Coverage
Comprehensive policies covering operations across all Australian states including NSW tow truck cover, QLD tow truck cover, VIC tow truck cover, and nationwide (Australia) interstate operations.
Industry Experience
Specialized commercial vehicle insurance with deep understanding of tow truck liability insurance requirements and industry-specific risks.
What Our Tow Truck
Operators Say
Frequently Asked Questions
Tow truck insurance Australia is specialized commercial vehicle insurance covering public liability, vehicle damage, and business risks specific to towing operations. It's essential because tow truck operators face unique risks including damage to customer vehicles (on-hook coverage), third-party property damage, and workplace injuries. Most Australian states legally require minimum public liability coverage for licenced tow truck businesses.
Yes, tow truck liability insurance is mandatory in most Australian states. Minimum public liability insurance is required for commercial towing licenses, typically ranging from $10-20 million coverage.
Public liability for tow truck operators covers third-party property damage and injury claims arising from your towing operations.
Yes, fleet insurance policies provide cost-effective coverage for multiple tow trucks under one comprehensive policy. Fleet coverage offers streamlined administration, potential premium discounts, and consistent coverage standards across all vehicles. This is ideal for growing tow truck business insurance operations requiring comprehensive tow truck cover for 2+ vehicles.
Yes, professional tow truck insurance Australia coverage is available nationwide including NSW tow truck cover, QLD tow truck cover, VIC tow truck cover, and all other states and territories. Policies can cover single-state operations or interstate businesses requiring consistent coverage across multiple jurisdictions.