Transport Insurance | Business Insurance

Q: Can I pay my premiums by the month?

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers. For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible. You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

Q: What Liability Covers are available and do I need them all?

Yes – we suggest reviewing the following liability covers to ensure you are protected in the event of a claim: 1.) CTP Third Party Bodily Injury; 2.) Motor Section Liability covers damage by your truck; 3.) Public Liability covers you outside of your truck.

Q: I don’t have much driving experience, can I still get cover?

Yes . First Peoples Insurance has the ability to sort this for you. All we need is your driving history. The more experience you have, discounts may apply after years of driving and a good driving record.

Q: How do I make a claim?

As your Adviser, you will always contact First Peoples Insurance in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

Transport insurance policies can provide cover to protect a variety of different assets such as Single Trucks, trailers owned or non-owned and Prime Movers.

Specialist Motor Insurance

If your business operates vehicles as a core service, you need to consider specialist motor insurance. We can arrange cover for a wide range of vehicle types that can be tailored to your business requirements. The policies available through First Peoples Insurane can cover:

Rigid trucks

Prime movers, b-double, trailers, tippers, dumpers, forklifts and loaders.

Goods carriers

This includes refrigerated goods carriers, bulk hazardous goods carriers, grain carriers, livestock carriers, and goods carrying vehicles.

Mobile plants

This includes mobile cranes, earthmovers and heavy equipment.

Tractors

Tractors and other motorised agricultural machines.

Sedans

Sedans, station wagons, four wheel drives, utilities, vans, specialist vehicles etc.

Buses

Buses, light rigid through to heavy, including articulated.

Fleets

Fleets, solutions for all types of fleets, – cars, trucks and trailers.

We also tailor solutions for a variety of other transport services including earthmovers, mobile cranes, buses, fleet vehicles, specialist vehicles and heavy equipment.

Broader protection & additional cover

Our package policies can extend to cover not only the Truck, Prime Mover and Trailer but also:

Public Liability Insurance

Liability cover away from the vehicles insured.

Load Insurance

Under the new Chain of Responsibility Act you will be brought into an action if the goods you are carrying are damaged.

Additional Expenses

Customers Consequential Loss (E.g. Loss of Income).

Business Interruption Extensions

Your own loss of income whilst your vehicle is being repaired following a Motor vehicle incident, covered under a Motor Vehicle Claim, including any downtime incurred.

First Peoples Insurance is a 100% Aboriginal-owned, full-service insurance broker, not a product seller. We partner with you to understand your risks and design tailored insurance brokering solutions that evolve with your needs.

We have access to a large range of quality insurers and policies to ensure you obtain the best possible coverage.

Our claims team has years of experience and expertise in successfully managing complex and difficult claims.

First Peoples Insurance specialise in Transport and Heavy Motor Vehicle insurance. When you take out a tailored Transport Insurance policy, you will immediately have access to our expert claims team for personal service on claims, and our experienced advisers for advice on Risk Management.

We have access to Specialist Transport Insurers and Assessors
Risk Management Plans plus Insurers 24/7 Accident Assist programs.
Experienced Truck Insurance Advisers able to design a package policy for your consideration.
Ability to obtain premium discounts for drivers who have experience moving into their own business.
Receive News articles from Logistic Solicitors.
Experienced and respected Industry Claims officers.
For young or inexperienced drivers we can provide cover depending on history.

Frequently Asked Questions for Transport Insurance

Load insurance protects the Chain of Responsibility. The Competition and Consumer Act, including any contracts between you and the Freight Forwarding Agent will dictate, however our advice is to get Load Insurance, as it can protect you in the event of damage or loss.

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers.

For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible.

You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

Be warned some companies believe if your journey states “base to a destination beyond your normal radius” you are outside of the radius when you leave the base. Others say you are “out of radius” when you reach the radius limit. Seek professional advice from your First Peoples Insurance Adviser.

Yes – we suggest reviewing the following liability covers to ensure you are protected in the event of a claim:

1.) CTP Third Party Bodily Injury;

2.) Motor Section Liability covers damage by your truck;

3.) Public Liability covers you outside of your truck.

Yes. First Peoples Insurance has the ability to sort this for you. All we need is your driving history. The more experience you have, discounts may apply after years of driving and a good driving record.

As your Adviser, you will always contact First Peoples Insurance in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

Transport