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Motor & Fleet

Common industry risks   

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

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The Risks

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Risks Response

Cargo Re-secure

Freight shifts after sudden braking on a highway, and staff must safely re-secure the insured cargo before transit continues on road.

Marine Cargo Insurance may respond to reasonable costs to re-secure insured cargo that has shifted during transit following an incident outside your control.

Public Injury

A visitor slips on loose shrink wrap in the depot office and claims medical costs against the business after injuring their ankle badly at depot.

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Cargo Damage

Pallets of packaged goods are crushed when the insured truck is hit in traffic during an inland transit between warehouse and customer site area.

Marine Cargo Insurance may respond to physical loss or damage to insured goods arising from an accident during an inland transit.

Vehicle Towing

After a crash on an arterial road, the insured delivery truck cannot be driven and needs towing from the scene to a repairer near depot.

Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.

Property Damage

An insured truck reverses into a warehouse roller door during a delivery, leaving the client to claim repair costs for their damaged door.

Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.

Cargo Re-secure

The Risks

Freight shifts after sudden braking on a highway, and staff must safely re-secure the insured cargo before transit continues on road.

Risks Response

Marine Cargo Insurance may respond to reasonable costs to re-secure insured cargo that has shifted during transit following an incident outside your control.

Public Injury

The Risks

A visitor slips on loose shrink wrap in the depot office and claims medical costs against the business after injuring their ankle badly at depot.

Risks Response

Public Liability Insurance may respond to third party injury and property damage claims arising from your business activities.

Cargo Damage

The Risks

Pallets of packaged goods are crushed when the insured truck is hit in traffic during an inland transit between warehouse and customer site area.

Risks Response

Marine Cargo Insurance may respond to physical loss or damage to insured goods arising from an accident during an inland transit.

Vehicle Towing

The Risks

After a crash on an arterial road, the insured delivery truck cannot be driven and needs towing from the scene to a repairer near depot.

Risks Response

Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.

Property Damage

The Risks

An insured truck reverses into a warehouse roller door during a delivery, leaving the client to claim repair costs for their damaged door.

Risks Response

Commercial Motor Vehicle Insurance may respond to third party property damage claims arising from the operation of your insured vehicle where you are legally liable for the loss.

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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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Businesses covered

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Products

Coverage for Transport & Logistics

Commercial Motor Vehicle, Public & Products Liability, and more for Transport & Logistics industry from leading insurers

Public & Products Liability

Covers injury & property claims from your services, products or at your business

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Tools of trade

Covers theft, damage or loss to work tools and equipment incl power tools, machinery and laptops

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Commercial Motor Fleet

Covers business vehicles for damage to your vehicle or a third party’s, property damage or injuries to others (excl CTP)

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Marine Cargo

Covers losses from theft, damage or goods that are destroyed while in transit between locations

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Claims examples

Common claims against Transport & Logistics

Examples of claims arising from transport and logistics operations.

Slip at depot
SCENARIO

A customer visits your depot to inspect a shipment. They slip on loose plastic wrap left on the warehouse floor and injure their wrist. They claim medical costs and lost income from your business.

WHY IT’S COVERED

Public Liability cover may respond to third-party injury claims arising in connection with your premises or business activities.

Cargo Damage
SCENARIO

Your driver is transporting pallets of packaged consumer goods from a warehouse to a retailer’s distribution centre. On the way, the truck is involved in a collision on the highway, causing several pallets to shift and the goods to be crushed.

WHY IT’S COVERED

Marine Cargo Insurance is designed to cover physical loss, destruction or damage to insured goods caused by an accident while the goods are being transported during an insured transit.

Vehicle Towing
SCENARIO

While travelling between warehouse sites, your driver is involved in a collision at a roundabout in an industrial area. The insured truck cannot be safely driven and needs to be towed from the scene to a repairer.

WHY IT’S COVERED

Commercial Motor Vehicle insurance may respond to towing costs for your insured vehicle following an accident.

Loading Dock Collision
SCENARIO

A driver arrives at a warehouse for a pallet pickup. While reversing the vehicle into the loading dock, the rear of the truck strikes the dock shelter and damages the dock frame. The warehouse operator submits a claim for the repair costs.

WHY IT’S COVERED

Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Manual handling damage

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A customer visits your depot to inspect a shipment. They slip on loose plastic wrap left on the warehouse floor and injure their wrist. They claim medical costs and lost income from your business.

IS THIS COVERED?

Public Liability cover may respond to third-party injury claims arising in connection with your premises or business activities.

Slip at depot
SCENARIO

Your driver is transporting pallets of packaged consumer goods from a warehouse to a retailer’s distribution centre. On the way, the truck is involved in a collision on the highway, causing several pallets to shift and the goods to be crushed.

IS THIS COVERED?

Marine Cargo Insurance is designed to cover physical loss, destruction or damage to insured goods caused by an accident while the goods are being transported during an insured transit.

Cargo Damage
SCENARIO

While travelling between warehouse sites, your driver is involved in a collision at a roundabout in an industrial area. The insured truck cannot be safely driven and needs to be towed from the scene to a repairer.

IS THIS COVERED?

Commercial Motor Vehicle insurance may respond to towing costs for your insured vehicle following an accident.

Vehicle Towing
SCENARIO

A driver arrives at a warehouse for a pallet pickup. While reversing the vehicle into the loading dock, the rear of the truck strikes the dock shelter and damages the dock frame. The warehouse operator submits a claim for the repair costs.

IS THIS COVERED?

Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.

Loading Dock Collision
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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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FAQs

Transport & Logistics insurance queries

How do I make a claim?

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You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.
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How do I make a claim?

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What is a Certificate of Currency?

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A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
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What is a Certificate of Currency?

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How quickly do I need to report an incident to my insurer?

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You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.
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How quickly do I need to report an incident to my insurer?

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What is a retroactive date?

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A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.
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What is a retroactive date?

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What factors might impact the cost of policy premiums of insurance for logistics?

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The cost of insurance for logistics in Australia varies depending on several factors. These typically include the nature and scope of your business activities, annual turnover, number of employees, location, claims history, and the cover limits and the applicable excess. For Commercial Motor cover, insurers also consider vehicle make, model, value, usage and driving history. Where additional covers such as Professional Indemnity or Cyber insurance are relevant to your operations, the services you provide and the sensitivity of data you hold may also affect your premium. Because each business is different, costs can vary significantly and premiums may change at renewal in line with risk and claims experience.
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What factors might impact the cost of policy premiums of insurance for logistics?

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Do transport businesses need Public Liability insurance?

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Public Liability insurance is designed to cover claims where a client or member of the public is injured or their property is damaged as a result of the services you provide. While it is not a legal requirement for transport businesses in Australia, it is commonly held by transport businesses across Australia. Many clients, venues and booking platforms may require you to hold a current Public Liability policy before they will engage your services. Without this type of cover, you could be personally liable for legal costs and compensation claims. Speaking with an insurance broker can help you understand whether Public Liability cover is appropriate for your circumstances.
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Do transport businesses need Public Liability insurance?

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