Heavy Motor & Transport Insurance | Protect Underwriting

01 Why we built this

Insurance at the speed of finance.

A truck or trailer loan approval is the moment of decision. But finance can't settle — and the truck can't move — until insurance is bound and the certificate is issued.

Transport Protect generates & sends the indicative quote to the client the moment finance is approved. Same flow. Same speed. Certificate of insurance issued on bind — finance settles, truck moves.

02 What's covered

Heavy motor cover, in plain English.

Vehicle Damage Cover

Cover for damage to your truck, trailer or refrigerated unit. Market Value or Agreed Value for the policy term — your choice.

Third-Party Liability — $35m

$35 million third-party property and personal-injury liability. ($2.5m sub-limit for Dangerous Goods carriage.)

Carrier's Legal Liability

Add optional cover for goods you carry for reward — including refrigerated cargo, containers and high-value loads. Cover follows the load on Australian routes.

Public & Products Liability

Cover that protects your business against personal injury, property damage or advertising claims.

Roadside & Towing

24/7 specialist heavy-vehicle roadside assistance and towing. Tilt-tray, low-loader and crane-recovery available — Australia-wide network.

Business Interruption

Cover for loss of income while your vehicle is off the road following a covered claim.

Driver & Theft Protection

Cover for theft of vehicle, attempted theft damage, and protection where the registered driver is not the policyholder (essential for fleet operations).

Finance-Aligned Documentation

Insurance certificates, schedules and binding documents formatted to match finance paperwork — submitted in the same flow your finance broker is already using.

Backed by Allianz

Issued by Allianz Australia Insurance Limited — globally recognised security, financial strength to stand behind every claim.

03 How it works

One process. Not two.

From approval & client acceptance to bound policy, all inside the existing finance workflow. No second process.

Finance approved

Your finance broker approves the truck or trailer loan in their normal flow.

Indication generated

Approval triggers an instant insurance indication — generated alongside the finance documents. No separate application.

Client confirms cover

Client completes a short online form to confirm vehicle details and cover preferences. VIN, usage, history.

Premium paid, certificate issued

Client pays the premium and the certificate of insurance is issued instantly. Finance settles. Truck moves.

04 Why this is different

Instant. Integrated. Globally-Backed.

Instant Indication

Finance approval to insurance indication in seconds. Generated automatically alongside the loan documents your broker is already producing.

Finance-Lane Integration

Built for the way finance brokers actually work. No duplicate entry. No separate insurance broker. No four-day wait.

Global Transport (Allianz)

GT Insurance (Allianz) — Underwritten by Allianz Australia — distributed through GT's specialist heavy-motor program. Globally recognised financial strength behind every claim.

05 Who this is for

Built for the people who actually move heavy motor.

If you use a finance broker, operate or own commercial heavy motor — this is built for you.

Finance brokers, fleet operators, owner-drivers, transport companies, equipment financiers and trailer-only operators — same flow, same speed, same certainty.

Finance brokers — asset finance specialists, truck & trailer brokers, equipment finance

Fleet operators — small fleets (1–20 vehicles) through to mid-fleet operators

Owner-drivers — individual operators with finance approval and immediate cover needs

Transport companies — line-haul, distribution, refrigerated, specialised transport

Equipment financiers — banks, finance companies, lease operators

Trailer-only operators — refrigerated trailers, tankers, low-loaders, container chassis

Heavy motor insurance. Built for the Finance Lane.