Townsville Insurance Brokers: Heavy Motor & Trailer Cover That Works Up North

From Garbutt depots to Bohle, Stuart and the Port, North Queensland businesses keep Townsville moving. If you run tractor trucks, semi-trailers or stand-alone trailers, you don’t just need “insurance”—you need cover that keeps you earning through wet season storms, highway hazards and long distances between jobs.
We’re Townsville insurance brokers who place and manage heavy motor policies every day. One call, multiple quotes, and a claims team that picks up when things go sideways.

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Why local broking matters in Townsville

• North Queensland risk profile: cyclonic weather, regional highways, cattle grids, mine-site access and fatigue management all affect underwriting.
• Faster claims: we coordinate local assessors, repairers and hire vehicles where your policy allows—so downtime is kept to a minimum.
• More than price: we compare excesses, exclusions and downtime options, not just premiums.

Heavy Motor Insurance (tractor truck / prime mover)

Protects your unit against collision, theft, fire, storm and vandalism, plus Third-Party Property Damage when you’re at fault. Ask us about:

• Downtime cover (loss of income benefit while off the road after an insured event)
• Towing, salvage & recovery in remote stretches south to Bowen or west to Charters Towers
• Driver cover & windscreens, signwriting and accessories
• Finance/lease requirements so contracts aren’t delayed

Semi-Trailer Insurance

Your trailer is a revenue machine—insure it on the right basis:

• Comprehensive and Fire & Theft options
• Trailer in Control / Non-owned trailer extensions if you pull someone else’s gear
• Refrigerated units & machinery endorsements
• Goods in Transit (carriage risks) coordinated with your motor cover

Stand-Alone Trailer Insurance

If a trailer is garaged separately or used across different units, a stand-alone trailer policy can be cleaner and cheaper to administer. We’ll compare it against adding the trailer to your heavy motor schedule and recommend the smarter route.

What drives premium up here?

• Vehicle value and configuration (rigid vs prime mover, crane/tilt tray, refrigerated)
• Radius of operation and typical routes (Bruce Highway, Flinders Highway, mine roads)
• Drivers’ age, experience and claims history
• Security (yard fencing, immobilisers, telematics and dashcams)
• Cargo type and load/unload conditions
• Chosen excess and downtime limits

We’ll show how each choice moves the premium so you decide with confidence.

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Is trailer insurance separate from truck insurance?
It can be. You can insure a trailer under a heavy motor policy or as stand-alone trailer insurance. When trailers are swapped between units or hired/leased, stand-alone often makes claims and certificates easier.

What is semi-trailer insurance?
Cover for the trailer body and attached equipment against damage, theft, fire and storm, plus liability when required. Options include non-owned trailer (trailer in control) and reefer/machinery endorsements.

How do I reduce heavy motor premiums in Townsville?
Use telematics and dashcams, secure garaging, driver training records, and select an excess that fits your risk tolerance. Bundling liability and transit cover with your heavy motor can also unlock savings.

What to do after a prang (our claims playbook)

1. Make safe & photograph the scene, loads and damage.
2. Call us first—we open the claim, arrange towing/assessment, and check downtime benefits.
3. Keep receipts for emergency repairs or accommodation; they may be claimable.
4. Tell us early about third-party damage—our job is to protect your position.

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Ready to roll?

Whether you’re a single tractor truck or a fleet of semi-trailers and stand-alone trailers, we’ll compare the market, explain the differences in plain English and place cover that works in North Queensland conditions.
Call us now or request a quote—fast documents for finance or site access, and a broker who answers when you need help.

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Disclaimer

This article provides general information only and does not consider your objectives, financial situation or needs. Coverage, limits and premiums vary by insurer and risk profile. Read the Product Disclosure Statement (PDS) and policy schedule before making a decision. Insurance is subject to underwriting approval and policy terms.

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