Owner-driver prime mover on the road — owner driver insurance

Owner Drivers

Cover for the truck that pays the bills.

Plain-English advice. No corporate runaround.

If the truck is off the road, the income stops. We compare truck and commercial motor cover for independent operators and stay with you when you claim.

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Owner Operators

The same care as a fleet — without the complexity

Owner-drivers should not have to decode a 40-page schedule to know if finance, windscreen and liability are actually covered. Ideal Insurance Brokers explains the differences in plain English and shops 220+ markets for a policy that fits how you work.

Local metro runs, regional freight or interstate haulage all carry different risk. We start with your truck, your contracts and your finance requirements then recommend cover that protects the asset and the livelihood attached to it.

Owner-driver semi-trailer on an Australian highway — owner drivers

  • 220+

    Markets compared

  • 1

    Dedicated adviser

  • 98%

    Claims success focus

What We Arrange

Cover that protects the asset and the work

Comprehensive motor, finance wording and liability explained in plain English, without a fleet manager’s policy.

  • 01

    Truck and commercial motor

    Accidental damage, theft, fire and third-party liability for the vehicle that earns your income.

  • 02

    Finance-ready wording

    Lenders often require comprehensive cover and named interests. We arrange wording that satisfies the finance company without overbuying.

  • 03

    Public liability

    Helps protect you if work connected to the truck causes injury or property damage to someone else.

  • 04

    Accessories and extras

    Fitted accessories, nominated drivers and windscreen options can reduce the days you are parked up waiting.

Built Around You

Cover for a single operator

You need cover that is clear, competitive and supported when something goes wrong on the highway not a 40-page fleet schedule.

  • 01

    The unit you run

    Rigid truck, prime mover, refrigerated unit or tipper we place cover around the vehicle and the work it actually does.

  • 02

    Contracts and certificates

    If you take on subcontract or contract work, we check principal requirements so certificates match the jobs you actually take on.

  • 03

    Claims when it counts

    When the truck is off the road, the income stops. We stay with you through the claim not a call-centre queue.

Next Step

Get a quote that fits how you actually drive.

Tell us about the truck, the work and the finance. We’ll compare the market and come back with options you can understand.

Speak With a Broker
Speak With a Broker