Insurance for transport and fleet operators
Couriers, freight carriers, trade fleets and any business that puts staff on the road every day. The vehicles, the goods on board and the liability that travels with them each need their own cover.
The vehicles, the load and the liability that travels with them
Motor Fleet
Accident, theft and third party property damage across every vehicle you run, on one policy with one renewal date and agreed value options for specialised units.
Motor Fleet coverMarine Cargo
Goods in transit by road, sea and air, whether you carry your own stock or freight for others, from the moment goods are loaded until they are signed for.
Marine Cargo coverPublic & Products Liability
Injury and property damage away from the vehicle: loading docks, customer premises and the goods you deliver.
Liability coverA motor policy covers the truck, and very little else
Transport claims tend to fail on a condition rather than a coverage gap.
Carrier's liability
Carrying goods for others creates a legal liability for loss or damage that a motor policy does not cover. It needs a carrier's or cargo policy written for the contracts you sign.
Driver declarations
Young, unlicensed or undeclared drivers, and drivers with recent claims, are conditions on the policy. A driver the insurer has never heard of can void a claim.
Downtime
A written-off truck can be replaced within weeks. The income lost while it is off the road, and the hire cost of a replacement, are only covered if the policy says so.
A rollover, and a load that belonged to someone else
An illustrative example of how Ardent can make the difference in a time of need.
A prime mover left the road on a wet bend. The vehicle was written off and the freight it carried was destroyed, and that freight belonged to a customer.
The fleet policy and the carriers' goods cover were placed together, with limits set against the highest value load the client actually carries.
The vehicle and the customer's goods were both paid. The customer stayed because the freight claim was settled without a fight.
Responds under Motor Fleet
This is an illustrative example. Every claim is assessed by the insurer on its own facts and under the terms of the policy.
What insurers expect to see
Fleet policies are rated on the schedule, the drivers and the claims history. We go through all three with you each year so the program reflects the fleet you run now.
- Every vehicle listed with the right use, including trailers and hired vehicles
- Driver records checked, and the insurer's driver conditions understood by whoever allocates the keys
- Carrier's liability or cargo cover matched to the contracts and consignment notes you use
- Sums insured for specialised vehicles and fit-outs set at agreed value
- Hire car or downtime cover where a vehicle off the road costs you income
- Workers compensation and personal accident cover for owner drivers
Our Transport & Fleet experts
QPIB · Dip. Fin. Serv. (Ins Broking) · ANZIIF (Snr Assoc) CIP
Mining, aviation, construction, retail and property
Steve has 40 years in insurance, most of it in construction and civil engineering, with underground mining, aviation, national retail and property development alongside. He is one of Ardent's founders, works from inside a client's business and keeps those relationships for the long term.
QPIB · Dip. Fin. Serv. (Ins Broking) · Dip. Integrated Risk Management · ANZIIF (Snr Assoc) CIP
Risk management and program design
Stephen co-founded Ardent and has 17 years in insurance, with clients from sole traders to multinational corporates. He works through the risks a business faces and helps decide what to avoid, reduce, retain or insure, balancing cover against cost. He has served on the committee of NIBA's NSW Mentoring Program.
Cyber, property, motor fleet and technology
Kye has two and a half years in insurance broking, after working in retail management, and is studying for his diploma in insurance broking. He looks after a general book of clients, with a focus on cyber, property, motor fleet and technology. Clients find him thorough, efficient and understanding.
What a client says about Ardent
The team is efficient and connected with insurance companies to get the best offer. Also very reliable and act with speed. The are great brokers.