Norwest NSW
Hook-In and Towed Vehicle Cover
Your tow truck policy covers your truck. It usually does not cover the customer's car on the hook or on the tray.
Hook-in (towed vehicle) cover is the extension that responds when the vehicle you are towing is damaged during loading, transit or unloading.
What it can cover
- Damage to a towed vehicle during loading or unloading
- Damage while the vehicle is on the tray or under tow
- Limits per vehicle, set to the type of work you do
What to check
Limit per vehicle
Luxury, commercial and heavy units may need a higher limit than a standard sedan.
Excluded work
Some wordings limit recovery of buses, trucks or machinery. Disclose what you tow.
Your own truck cover
Hook-in does not replace tow truck and fleet insurance for your unit.
Case study
An example
A strap slips while a sedan is being winched onto the tray. The car's bumper and underbody are damaged. Hook-in cover is what can respond to the customer's vehicle. The truck's own policy only covers the truck.
Illustrative example only. Cover depends on your policy wording.
Contact us
Before you call, it helps to know:
We're at Suite 2.02, 2-8 Brookhollow Ave, Norwest NSW 2153. Call 02 8660 2305 or email admin@idealbrokers.com.au.
Ideal Insurance Brokers, Norwest NSW 2153. Ideal Brokers Pty Ltd (CAR No. 001262504 | ABN 65 623 205 952) is a Corporate Authorised Representative of Metrix Connect Pty Ltd ACN 635 286 136 as the trustee for the Metrix Connect Hybrid Trust ABN 55 742 327 931 | AFSL No. 525491. This page contains general information only and does not take into account your objectives, financial situation or needs. Read the Product Disclosure Statement before buying.
Hook-in and towed vehicle FAQs
Not normally. You need hook-in or towed vehicle cover for that exposure.
No. Hook-in is for vehicles under tow. Goods in transit is for cargo and freight.
If you move other people's vehicles, you usually need it — accident or trade.