Business trailer insurance
Tipper, curtainsider, low loader, refrigerated and car-towed box trailers used in your business, priced once for up to five years.
- Tipper and curtainsider
- Low loader and flat top
- Refrigerated and livestock
- Car-towed trailers
Business trailer insurance through EquipCover is a multi-year policy for trailers used wholly or predominantly in your business, from tippers, curtainsiders and low loaders to refrigerated, livestock and car-towed box trailers. The price for the whole term is set on day one, for up to five years. Caravans, camper trailers and trailers kept for private use aren’t covered.
Insurance indication
Trailers, fixed for up to five years.
The machine, its value, your state, the term and registration, then your ABN. About ninety seconds, no proposal form, and you see your indication before we ask for a name, mobile or email.
An indication is an estimate, not a quote or an offer of insurance.
Financing it? See the finance repayment and the insurance together in the calculator, before you give any details.
Your insurance indication
Each policy covers up to $2 million of equipment. Above that, our partner sets up more than one policy, each with its own fixed premium.
Same state and term as the first item. Different state or term? Tell our partner when they contact you.
Done. We have your details.
- NowYour indication and details reach our team, who pass them to our specialist insurance partner.
- Same business dayThe partner emails you an e-brochure for your consideration, with the policy wording.
- When you acceptAccept online, and your certificate of currency follows in about five minutes.
- ABN
- State · term
- Average per year (incl. GST)
- Pay upfront
- Pay by the month
- Re-rated during the term
- No, set on day one
The problems this solves
What fixed cover solves for trailers.
Real five-year premiums from current policies are below, with what each costs a year and as a share of the insured value.
Business use only
Cover is for trailers used wholly or predominantly in a business with an ABN. Caravans, camper trailers and trailers kept for private use aren’t covered.
Financed with the truck, or on its own
Trailers are often financed alongside the prime mover or as standalone units. A multi-year policy can run for the same 12 to 60 months as the finance. The prime mover itself isn’t on the approved list.
Registered or not
Unregistered, conditionally registered and fully registered trailers can all be covered. The indication asks which applies.
One policy for the fleet
Several trailers can go on one policy, up to $2 million of insured value, and a business can hold more than one policy.
$11,190fixed for 5 years
About $2,238 a year
7.9% of the insured value, over five years
Real premiums from current policies. Yours depends on your state, item, value, term and registration.
What’s covered
What the policy covers, and what it doesn’t
| Sudden and unforeseen damage | Yes |
|---|---|
| Theft | Yes, with conditions for equipment left in the open and machines on hire |
| Total loss | Settled at that year’s insured value |
| Finance payout after a total loss | Up to an extra 30% of that year’s insured value |
| Attachments | Yes, when they’re listed on your schedule |
| Extra costs while it’s off the job | Yes, such as hiring a substitute machine, within the schedule limit. Lost revenue isn’t covered |
| Recovery costs | Yes, within the schedule limit |
| Dry hire | Yes, with a written hire agreement |
| Third party property damage | Registered machines, where your schedule shows it |
| Public liability and injury | No. That’s a separate policy |
| Machinery breakdown | No, except mechanical damage caused directly by covered damage |
| Wear and tear | No |
| Private use | No |
A summary only. The policy wording decides what’s covered, and limits are on your schedule.
By the numbers
The numbers behind it.
Road freight transport businesses operating in Australia at 30 June 2025, up 3.7% in a year.
Source 1Rise in insurance prices paid by Australian households in the five years to June 2026, about double the 24.1% rise in all prices.
Source 1New plant and equipment finance written for small businesses in 2025-26, about 35% of their new fixed-term borrowing. ABS counts a loan as small business when the lender’s exposure is under $1 million.
Source 2What can be covered
Trailers on the approved list.
New or used, up to 40 years old, used wholly or predominantly for business. One item or several on one policy, up to $2 million per policy.
Approved items
- Tipper / pantech / curtainsider trailers
- Low loader / dolly / flat top / drop deck
- Car carrier / tanker / refrigerated / livestock
- Light trailers (car towed)
When this isn’t the right fit
- Equipment used mainly for private or household purposes. Cover is for business use only.
- Equipment you already own that was bought more than 60 months ago (it can be covered, but not on a multi-year policy).
- Equipment more than 40 years old (it can be covered, but not on a multi-year policy).
- Items that are not on the approved item list, or worth more than $2 million on one policy (they can be covered, but not on a multi-year policy).
Not sure? Call us on 0457 932 988 or email info@equipcover.au, and we’ll tell you where you stand.
FAQs
Common questions.
Can’t see yours? Every question we answer is on one page, or call us on 0457 932 988.
Is a box trailer covered?
Yes, if it’s used wholly or predominantly for business. Light trailers towed by a car are on the approved list.
Are caravans or camper trailers covered?
No. Cover is for business trailers only.
How much does trailer insurance cost?
It depends on your state, the trailer, its value, the term and its registration. As a real example, a truck trailer insured for $141,977 has a five-year premium of $11,190, set for the whole term.
Is the prime mover covered too?
No. Prime movers aren’t on the approved list, but the trailer can be covered on its own.
Sources
- Australian Bureau of Statistics: Counts of Australian Businesses, June 2021 to June 2025, data cube 2: businesses by industry class (released 16 December 2025)
- Australian Bureau of Statistics: Lending Indicators, June quarter 2026
- Product information and approved item list from our specialist insurance partner (August 2026)
Updated 29 October 2026. Reviewed by James Rock (National Partnerships Director). General information only, not personal advice. Read the policy wording before you buy.
Why fixed
Priced once.
Not every year.
A standard annual policy is re-rated at every renewal for claims, inflation and market changes. A multi-year policy sets the price for the whole term on day one.
Annual policy
Re-rated yearlyFour renewals, four re-ratings. Bar heights are illustrative, not real premiums.
Fixed multi-year policy
Locked on day oneOne price for the term you choose, set on day one and never re-rated. The bars show the insured value: 100% in years 1 and 2, then a 10% depreciation each year from year 3.
In the five years to June 2026, insurance prices paid by Australian households rose 47.9%, about double the 24.1% rise in all prices (ABS). Why premiums keep rising.
| Year | Annual policy | Fixed multi-year policy: insured value |
|---|---|---|
| 1 | Starting premium | 100% |
| 2 | Re-rated at renewal | 100% |
| 3 | Re-rated at renewal | 90% |
| 4 | Re-rated at renewal | 81% |
| 5 | Re-rated at renewal | 72.9% |
