Various types of trucks are available, depending on design and capacity. While some are commonly referred to as heavy trucks, others are medium and light trucks. Generally, light trucks are taken to be those trucks with a capacity below 2,000 kg. Such include vans and pickups. Although designed with special features to allow for transportation of various merchandise, light trucks are at times used as personal vehicles.
Like all trucks in Australia, it is mandatory for a light trucker to purchase suitable insurance coverage. The basic insurance cover that a light trucker is obligated to purchase is the liability insurance coverage. This light truck insurance cover provides protection against any claims that may be lodged in case a light truck is involved in an accident involving other vehicles on the road, with a pedestrian or damage that may be caused to other people’s property. Driving a light truck on Australian roads without this basic insurance cover constitutes serious crime punishable by fine, a prison term or both.
Like with other type of trucks, light trucks are used for commercial purposes. They are used to transport varied merchandise and materials. This calls for the need for a light trucker to purchase additional light truck insurance. The various types of insurance available include general carrier, hazardous goods carrier and refrigerated carrier insurance coverage. Purchasing additional insurance coverage is very important for a light trucker because the merchandise and materials transported are exposed to damage and theft. Without the appropriate insurance coverage, a trucker will definitely be obligated to pay out-of-pocket, which has a serious implication on business.
The various insurance companies operating in Australia offer different types of light truck insurance, suitable for all kinds of light trucking business. The companies include both national and international entities. These companies quote different truck insurance coverage and a light trucker may find it beneficial to widely shop for a suitable insurance coverage, comparing the varied quotes as provided by various companies. Although the aim of shopping widely should be to ascertain an insurance company that quotes low, the emphasis should be in obtaining the most appropriate type of insurance coverage.
Just as in other parts of the world, Australian insurance companies have made shopping for light truck insurance very simple. A trucker can simply shop for a suitable insurance coverage on the Internet and apply for the same online through a company’s website.
