‍

🚚 Do You Need Combined Insurance for Truck & Trailer? [Simple FAQ Guide]

✅ What is combined truck and trailer insurance?

Combined truck and trailer insurance is a single policy that covers both your prime mover (truck) and your trailer under one plan.

Instead of managing two separate insurance policies, you get one combined cover that protects the whole unit.

🧐 Do I have to get combined insurance?

No, it's not mandatory — but it’s often recommended.

You can buy separate policies for your truck and trailer. But in most cases, combined insurance is:

• Easier to manage
• Cheaper than two policies
• Simpler during claims (one point of contact)

💸 Is combined insurance more affordable?

Usually, yes. Most insurers offer a discounted rate when you bundle your truck and trailer in one policy.

You can also save on:

• Admin fees
• Policy management time
• Claim handling time

But always compare quotes. Sometimes, two separate policies may be cheaper depending on the insurer or risk profile.

🛠️ What does combined insurance cover?

It generally covers:

CoverageWhat It Means DamageAccidents, fire, flood, vandalismTheft Truck or trailer being stolenThird-party liabilityIf your vehicle causes damage to othersLoad protection (optional)Goods being carried in the trailer

Each insurer has slightly different options, so ask for a Product Disclosure Statement (PDS) before buying.

📄 What details do insurers need?

To quote you accurately, insurers usually ask:

• Your truck & trailer make, model, and year
• Usage (long haul, local, mining, etc.)
• Driver history
• Security features (immobiliser, GPS, etc.)
• Business or personal use
• Value of truck & trailer

🛡️ What if I already have truck insurance?

If you already have a truck-only policy, you can:

1. Add trailer coverage to the existing plan (if allowed)
2. Switch to a combined policy when it renews

Make sure your trailer is not being driven uninsured — even a parked trailer can be at risk.

⚖️ When is combined insurance better?

Combined cover is best when:

• You own both the truck and trailer
• You want easy admin
• You prefer one insurer and one claim contact
• You need fast claims processing in case of total loss

❌ When might separate policies be better?

Separate insurance might suit you if:

• You lease your trailer or it’s owned by someone else
• The trailer is used across multiple trucks
• You need different cover levels for each item

📍 Final Thoughts: Should you get combined insurance?

If you own both your truck and trailer, combined insurance is often:

• Simpler
• More cost-effective
• Easier to manage

But like all insurance, it depends on your situation. The best move? Compare quotes from multiple brokers and ask them if combined cover will save you money and time.

👋 Need help finding the right insurance?

At Townsville Insurance Brokers, we help truck owners and transport businesses across Australia find the right insurance at the right price.

📞 Call us today or get a quick quote — no paperwork, no pressure.

📢 Disclaimer:

The information in this article is general in nature and is provided for informational purposes only. It does not take into account your specific objectives, financial situation, or insurance needs. You should always consult with a qualified insurance advisor or broker before making any decisions regarding insurance cover.

‍

‍