Fleet Insurance Queensland

Specialist Heavy Vehicle & Transport Fleet Insurance

Managing a transport fleet in Queensland involves more than insuring individual vehicles. As your business grows from one or two trucks into a structured fleet, your insurance program must evolve with it.

Fleet insurance is not simply a collection of vehicle policies — it is a strategic structure designed to protect your vehicles, stabilise premiums, manage claims performance and support long-term business growth.

At Design Cover Insurance Brokers, we arrange tailored Fleet Insurance in Queensland for transport operators across the Sunshine Coast, Brisbane, Gold Coast, Toowoomba, Rockhampton, Mackay, Townsville and Cairns.

Whether you operate five trucks or fifty, we structure fleet insurance programs designed around how your business actually operates.

What Is Fleet Insurance?

Fleet insurance is a consolidated insurance program covering multiple vehicles under one policy structure.

Rather than insuring each truck separately, fleet insurance provides:

• A single renewal date

• Flexible vehicle additions and removals

• Centralised claims tracking

• Potential premium advantages based on claims experience

• Administrative efficiency

For transport operators in Queensland, fleet structuring can significantly influence long-term insurance costs.

Who Needs Fleet Insurance?

Fleet insurance is designed for:

• Transport companies operating 5+ vehicles

• Heavy vehicle operators with multiple prime movers

• Mixed fleets (rigid trucks, prime movers, utes, trailers)

• Logistics and distribution businesses

• Refrigerated transport fleets

• Tipper and earthmoving fleets

• Interstate freight operators

If your business is expanding beyond single-vehicle operations, fleet insurance should be considered.

Why Fleet Insurance Is Different From Individual Policies

As your vehicle count grows, insurers begin assessing risk differently.

Instead of pricing vehicles individually, they consider:

• Overall claims performance

• Risk management processes

• Driver experience across the fleet

• Maintenance procedures

• Operating geography

• Freight types

• Safety controls

A well-managed fleet can benefit from strategic pricing advantages — but poor claims performance can increase premiums quickly.

This is why proper fleet structuring is critical.

What Affects Fleet Insurance Premiums?

Fleet premiums are influenced by:

• Number of vehicles

• Total insured values

• Claims history across the fleet

• Driver profiles and turnover

• Freight types

• Interstate vs intrastate operations

• Risk management systems

• Maintenance programs

• Excess selection

• Security and garaging arrangements

Importantly, fleet pricing is heavily driven by claims performance trends.

Managing Fleet Claims Performance

Claims management directly affects long-term premiums.

We assist fleet operators with:

• Claims trend analysis

• Identifying recurring claim types

• Reviewing driver training practices

• Adjusting excess strategies

• Strategic remarketing when appropriate

Fleet insurance should be managed actively — not reviewed only at renewal.

Common Fleet Claims in Queensland

Transport fleets commonly experience:

• Rear-end collisions in metro Brisbane

• Jack-knife incidents in wet conditions

• Hail damage across South East Queensland

• Cyclone damage in North Queensland

• Wildlife collisions inland

• Refrigeration failure across multiple units

• Third-party property damage at delivery sites

A single catastrophic event can affect multiple vehicles — and dramatically impact future pricing.

What Does Transport Fleet Insurance Cover?

A comprehensive heavy vehicle fleet insurance program in Queensland can include:

Comprehensive Vehicle Cover

Protection against:

• Collision and accidental damage

• Jack-knife incidents

• Rollover

• Fire

• Theft

• Storm and hail damage

• Flood (subject to policy terms)

• Malicious damage

Given Queensland’s severe weather patterns — particularly in South East Queensland and North Queensland — storm exposure must be carefully addressed.

Trailer Fleet Cover

Many fleets operate:

• Skeletal trailers

• Dog trailers

• Refrigerated trailers

• Tankers

• Flat tops

• Drop decks

Incorrect trailer valuation is a common source of underinsurance within fleets.

Downtime / Loss of Income Cover

When multiple vehicles are off the road, revenue impact multiplies.

Fleet downtime cover can provide:

• Daily income replacement

• Replacement vehicle funding

• Support during extended repair delays

• Protection against weather-related events

For transport fleets operating between Brisbane, Rockhampton, Mackay and Cairns, long-haul repair delays can be significant.

Third-Party Property Damage

Heavy vehicle fleets create substantial third-party exposure, including:

• Multi-vehicle highway incidents

• Infrastructure damage

• Delivery-site property damage

• Fuel spills

• Bridge strikes

Fleet policies must ensure adequate third-party property damage limits across all vehicles

Marine Transit & Carrier’s Liability (Critical for Transport Fleets)

Fleet vehicle insurance does not automatically cover cargo.

Transport fleets often require:

• Marine transit insurance (covering goods in transit)

• Carrier’s liability insurance (covering legal liability under contracts)

Failure to structure these correctly can create significant financial exposure — particularly for interstate freight operators.

Transitioning From Individual Policies to Fleet Insurance

As businesses grow, transitioning to fleet cover can:

• Simplify administration

• Improve risk presentation to insurers

• Provide premium leverage

• Reduce policy inconsistencies

• Improve coverage uniformity

We assist Queensland transport businesses in structuring smooth transitions without disrupting operations.

Risk of Underinsurance in Fleet Programs

Common gaps in fleet policies include:

• Incorrect total insured values

• No downtime cover

• Inadequate third-party property damage limits

• Failure to disclose interstate operations

• No marine transit cover

• No carrier’s liability protection

• Outdated driver information

Fleet insurance must evolve with your business.

Why Work With a Specialist Fleet Insurance Broker?

Fleet insurance for heavy vehicles is highly specialised.

Working with Design Cover means:

• Access to specialist heavy motor insurers

• Strategic risk presentation

• Claims advocacy support

• Long-term premium planning

• Contract review guidance

• Support as your fleet expands

We focus on building long-term partnerships with Queensland transport businesses.

Fleet Insurance Across Queensland

We assist fleet operators servicing:

• Sunshine Coast

• Brisbane

• Gold Coast

• Toowoomba

• Rockhampton

• Mackay

• Townsville

• Cairns

• Regional and interstate freight corridors

Whether your fleet operates locally or across Australia, we structure protection aligned with your growth strategy.

Protect Your Fleet Properly

Your fleet represents significant capital investment and operational capacity. One poorly structured policy can expose your entire business.

Fleet insurance should protect your vehicles, your contracts, your cargo and your long-term profitability.

Speak With a Queensland Fleet Insurance Specialist

Design Cover Insurance Brokers

Sunshine Coast, Queensland

📞 0419 550 677

📧 hello@designcover.com.au

🌐 www.designcover.com.au

Supporting transport fleets across Queensland and Australia.