Insurance and Liability Information
1. Purpose of This Document
This document is a supplementary resource to the main Truck Moves Australia AI Avatar Knowledge Base. It focuses specifically on how insurance operates during a service, the responsibilities of each party, and the precise limits of liability set out in our official Service Conditions.
The avatar should use this document to answer any customer or prospect question about insurance, risk, liability, damage claims or what happens if something goes wrong. The avatar must always be accurate, transparent and professional on these topics — and must always refer customers to 1300 885 799 or info@truckmoves.com.au for specific advice on their situation.
Where It All Began
TruckMoves Australia was founded to solve a unique challenge within the transport and automotive sectors. Traditional freight models were slow, costly, and inflexible for moving newly built or unregistered commercial vehicles. Our founders recognised a better way specialist trade-plate drivers relocating trucks under their own power.
This simple but powerful idea reshaped how trucks move around Australia. From our earliest days, we partnered with major manufacturers, importers, and dealer networks to streamline the handover process between wharves, body builders, processing yards, and end customers.
2. At-a-Glance Insurance Summary
The table below summarises the insurance and liability position at each stage of a job. Full detail is provided in the sections that follow.
| STAGE / TOPIC | WHO IS RESPONSIBLE | KEY DETAIL |
|---|---|---|
| Vehicle insurance — during the move | CUSTOMER | The customer must maintain comprehensive insurance on the vehicle at all times during the service, extended to cover Truck Moves' drivers and personnel. |
| Risk of loss or damage to the vehicle | CUSTOMER | Risk in the vehicle remains with the customer (owner) for the entire duration the service is being performed. |
| Carrier's liability cover | TRUCK MOVES AUSTRALIA | Every job is automatically covered under Truck Moves' carrier's liability policy, in line with transport industry standards. |
| Public liability insurance | TRUCK MOVES AUSTRALIA | Truck Moves maintains a $30 million public liability policy covering third-party claims. |
| Workers compensation (drivers) | TRUCK MOVES AUSTRALIA | All Truck Moves drivers are covered by our workers compensation policy. |
| Certificates of currency | TRUCK MOVES AUSTRALIA | Available on request. Contact info@truckmoves.com.au or 1300 885 799. |
| Maximum liability for the service | TRUCK MOVES AUSTRALIA (capped) | Limited, at our option, to either re-supplying the services or paying the cost of re-supply. (Clause 10.7) |
| Body / mechanical / windscreen damage | NOT OUR LIABILITY (unless gross negligence or wilful misconduct) | Truck Moves is not liable for body, mechanical or windscreen damage unless directly caused by our wilful misconduct or gross negligence with knowledge that damage would occur. (Clause 10.3) |
| Consequential / indirect loss | NOT OUR LIABILITY | Truck Moves is not liable for economic loss, loss of revenue, loss of profit, loss of business opportunity, loss of goodwill or any indirect/consequential loss. (Clause 10.5) |
| Claim notification window | CUSTOMER — within 48 hours | Any notice of loss, damage or intent to claim must be given in writing within 48 hours of the incident. After this time Truck Moves is discharged of all liability. (Clause 10.8) |
| Force majeure | NEITHER PARTY LIABLE | If a Force Majeure Event prevents service for more than 7 days, either party may terminate the order without penalty. (Clause 10.4) |
3. The Customer's Insurance Obligations
3.1 The Core Rule — Risk Stays with the Customer
This is the single most important insurance principle in the Truck Moves service model: the risk in the vehicle remains with the customer (the owner) at all times while we perform the services. We are not the insurer of the vehicle.
This is set out clearly in Clause 9.1(d) and 9.1(e) of our Service Conditions (see Section 5 of this document for the full verbatim text).
What this means in practice:
• The customer must have comprehensive vehicle insurance in force before we collect the vehicle.
• That insurance must remain active for the entire duration of the service.
• The insurance policy must be extended to cover Truck Moves’ drivers and personnel.
• If the vehicle is uninsured and something happens, the customer bears the full risk
3.2 What ‘Extended to Our Drivers’ Means
When we say the customer’s insurance must extend to our drivers and personnel, this means the customer’s comprehensive policy must treat our drivers as authorised drivers of the vehicle. Most standard commercial fleet and dealership policies do provide this cover as a matter of course — but the customer should confirm this with their insurer before engaging our service.
If the customer’s policy does not extend to third-party drivers, the customer must arrange a policy endorsement or additional cover before we collect the vehicle. We cannot commence a move if a vehicle is uninsured.
3.3 Confirming Insurance Before the Job
Customers are encouraged to:
· Confirm their comprehensive vehicle insurance is current and active
· Check that the policy extends to drivers and personnel provided by Truck Moves
· Provide a Certificate of Currency to Truck Moves if required for their own compliance records
· Contact 1300 885 799 if they have any questions about insurance requirements before booking
3.4 Vehicle Must Be Roadworthy
Under Clause 9.1(c), the customer also warrants that the vehicle is roadworthy and capable of completing the journey from the collection point to the destination. This is important from an insurance perspective — if the vehicle suffers a mechanical failure mid-journey, any resulting costs are the customer’s responsibility under Clause 9.2 (consumables and mechanic costs). Truck Moves is not a qualified motor mechanic service and does not carry out pre-collection mechanical checks.
4. Truck Moves Australia's Own Insurance Cover
4.1 Carrier’s Liability Policy
Every job performed by Truck Moves Australia is automatically covered under our carrier’s liability policy. This policy is in place in line with transport industry standards and covers against damage, loss and unforeseen incidents during the relocation process.
Carrier’s liability is the standard form of insurance carried by professional transport and logistics operators in Australia. It covers Truck Moves’ legal liability as the carrier — not the full replacement value of the vehicle itself (which remains the customer’s responsibility to insure comprehensively)
Carrier’s Liability Cover — Key Points
• Automatically applies to every job — no need to request it separately.
• Covers Truck Moves’ legal liability as the carrier during the move.
• In line with transport industry standards.
• Does NOT replace the customer’s own comprehensive vehicle insurance.
• Certificates of currency available on request.
• Options to extend or tailor cover for specific client or fleet requirements — ask at booking.
4.2 Public Liability Insurance — $30 Million
Truck Moves Australia maintains a $30 million public liability insurance policy. This covers third-party claims arising from our operations — for example, if a Truck Moves driver caused damage to a third party’s property or vehicle during a delivery.
Public liability does not cover the customer’s own vehicle — it covers claims made by third parties against Truck Moves in connection with our operations.
Public Liability — $30 Million
• Covers third-party claims against Truck Moves Australia.
• Policy limit: $30,000,000.
• Certificate of currency available to all clients on request.
4.3 Workers Compensation (Drivers)
All Truck Moves drivers are covered by our workers compensation insurance. This means that if a driver is injured while performing services on your vehicle, the claim is handled through our workers compensation policy — not through the customer.
4.4 Requesting Certificates of Currency
Certificates of currency for any of our insurance policies are available on request. These should be passed to the customer’s audit or compliance team for their records.
To request a Certificate of Currency, contact us:
· Phone: 1300 885 799
· Email: info@truckmoves.com.au
4.5 Optional Extended or Tailored Cover
For customers with specific requirements — such as high-value vehicles, unusual cargo configurations, fleet deployments or special projects — we offer options to extend cover or tailor insurance to meet those specific needs. Ask our team when booking and we will ensure the right protection is in place before the move begins.
5. Limits of Liability — Full Clause Reference
The following section reproduces the complete Limitation of Liability clauses (Clause 10) from Truck Moves Australia’s official Service Conditions, as published at truckmoves.com.au/terms-conditions. Each clause is shown verbatim followed by an avatar-facing plain-English explanation.
5.2 Exclusion of Implied Terms (Clause 10.2)
Clause 10.2 — Exclusion of implied warranties to the extent permitted by law
We exclude, to the extent permitted by law from these conditions all terms, conditions and warranties implied by statute, general law or custom. You may have statutory guarantees under the Australian Consumer Law and nothing in these terms is intended to affect those rights.
5.3 No Liability for Vehicle Damage — Key Exclusion (Clause 10.3)
Clause 10.3 — Not liable for breakdown, accident, body/mechanical/windscreen damage — with a key exception
We are not liable for any breakdown of, or defect in, nor any accident involving any motor vehicle or item while performing the Services nor the use, repair, maintenance or storage of such a motor vehicle or item. We are not liable for any body or mechanical damage, including any windscreen damage, occurring while that motor vehicle or item is in our possession, custody or control, unless caused by our wilful misconduct or gross negligence with knowledge that damage would occur.
5.4 Force Majeure (Clause 10.4)
Clause 10.4 — Force Majeure — suspension and termination rights
(a) If we are wholly or partially prevented from performing the Services by a Force Majeure Event, then the obligation to perform in accordance with these conditions will be suspended
for the duration of the Force Majeure Event. (b) If the Force Majeure Event and consequential inability to perform Services continues for a period longer than 7 days from its initial occurrence, then either you or we may terminate the Order by written notice to the other. Any termination will not prejudice any rights or obligations either you or we may have accrued prior to such termination.
5.5 No Liability for Economic or Consequential Loss (Clause 10.5)
Clause 10.5 — Exclusion of economic, indirect and consequential loss — in full
We are not liable in contract or tort for any economic loss, loss of revenue, loss of saving on overheads, loss arising from business interruption, loss of data, loss of business opportunities, loss of goodwill, loss of profits or any indirect, special or consequential loss or damage from any cause, even if we have been advised of the possibility of such damages or loss before we accept the Order.
5.6 Duty to Mitigate (Clause 10.6)
Clause 10.6 — Both parties must take reasonable steps to minimise loss
Each party must each use reasonable efforts to mitigate any potential damages or other adverse consequences arising from or related to the Services.
5.7 Maximum Aggregate Liability Cap (Clause 10.7)
Clause 10.7 — Maximum aggregate liability — limited to re-supply of services
To the extent permitted by law, our maximum aggregate liability to you in respect of any one claim or series of connected claims in respect of the Services for any liability including for breach of contract, breach of statutory duty, breach of warranty, delay, breach of a term, condition or warranty implied into these conditions by the Australian Consumer Law or liability under an indemnity, is limited at our option (to the extent permitted by law) to: (i) supplying the Services again; or (ii) paying to have the Services supplied again.
5.8 Claim Notification — 48-Hour Deadline (Clause 10.8)
Clause 10.8 — Notice of damage or loss must be given within 48 hours — CRITICAL
Unless notice of loss or damage be given in writing to us before or at the time of the delivery of the vehicle or item which is subject to these Services, such delivery shall be prima facie
evidence of the delivery of the vehicle or item in the same condition in which it was received by us. In any event, we shall be discharged of all liability whatsoever in respect of the Services, unless notice of claim or intention to claim are given to us in writing, within 48 hours after any incident or cause of any claim and or damage that may give rise to a claim.
6. Customer Warranties — Clause 9
The following warranties are given by the customer when they place an Order. These are directly relevant to insurance and risk, and the avatar should understand them fully.
Clause 9.1 — Customer warranties at the point of vehicle collection
You warrant in respect of each motor vehicle that is the subject of an Order that at the date the motor vehicle is collected by us: (a) you own the motor vehicle; (b) you are authorised to engage us to provide the Services; (c) the motor vehicle is roadworthy and capable of making the journey from the place of collection to the destination stated in the Order; (d) the risk in the motor vehicle or item remains with you while we perform the Services; and (e) the motor vehicle or item is and will be comprehensively insured by you while we perform the Services and that the insurance cover extends to drivers and other personnel provided by us to perform the Services.
Clause 9.2 — Breakdown during service — mechanic costs are the customer’s responsibility
If a motor vehicle breaks down or is in need of mechanical repair (as determined by us) while we are carrying out the Services, you authorise us to engage a mechanic or other appropriately qualified person, of our choice, to carry out the repairs. You must pay us for the Consumables incurred under this clause 9.2 on demand on a full indemnity basis.
Clause 9.3 — Customer indemnity — breach of warranties
In performing the Services, we rely on the warranties given by you in this paragraph 9 in respect of each motor vehicle or other item belonging to you. You agree to indemnify us and hold us harmless from any loss, damage, expense, penalty, fine or liability arising from a breach of these warranties, your obligations or these conditions.
7. Avatar Response Guide — Insurance & Liability Questions
Use this section as a guide when the avatar receives insurance or liability-related questions. Responses should always be factual, clear and non-alarmist. Always end with an invitation to contact us for specific advice.
Q: Are my vehicles insured when Truck Moves is delivering them?
A: Your vehicle is required to be comprehensively insured by you (the owner) for the full duration of the service, and that insurance must extend to cover our drivers. We also carry our own carrier’s liability policy which automatically applies to every job. For specific advice on your insurance arrangements, please call 1300 885 799.
Q: Does Truck Moves insure the vehicles they deliver?
A: The insurance responsibility for the vehicle itself sits with the owner — you need to maintain comprehensive vehicle insurance extended to our drivers. We carry our own carrier’s liability insurance on every job, as well as a $30 million public liability policy. If you’d like a Certificate of Currency for either policy, we can provide that on request.
Q: What happens if my truck is damaged during delivery?
A: We take great care of every vehicle we deliver. If damage occurs, any claim must be notified to us in writing within 48 hours of the incident — this is a strict requirement under our Service Conditions. Please inspect your vehicle at delivery and immediately report any concerns to info@truckmoves.com.au or call 1300 885 799. Please note that under our Service Conditions, Truck Moves is not liable for body or mechanical damage unless caused by our wilful misconduct or gross negligence.
Q: What is the limit of Truck Moves’ liability?
A: Under our Service Conditions, our maximum liability for any claim is limited to either re-performing the service or paying for it to be performed again. We are not liable for consequential losses such as loss of profit, business interruption or loss of revenue. This is standard across the Australian transport and logistics industry. For specific advice, please call 1300 885 799.
Q: Can I get a Certificate of Currency for Truck Moves’ insurance?
A: Yes — Certificates of Currency for our carrier’s liability and public liability policies are available on request. Please email info@truckmoves.com.au or call 1300 885 799 and we’ll arrange this promptly.
Q: What is Truck Moves’ public liability limit?
A: We maintain a $30 million public liability policy. This covers third-party claims arising from our operations. A certificate of currency is available on request.
Q: What if the delivery is late and I lose a sale?
A: Delivery times are estimates and we work very hard to meet them. However, under our Service Conditions, Truck Moves is not liable for indirect or consequential losses such as loss of a sale, loss of profit or business interruption — this is standard across the transport industry. If you have a time-critical delivery, please discuss this with our team when booking so we can give it the highest priority. Call 1300 885 799.
Q: My vehicle broke down during delivery — who pays?
A: Under our Service Conditions, if a vehicle breaks down during delivery, Truck Moves will arrange a mechanic and those costs are payable by the customer as Consumables. This is why we strongly recommend confirming your vehicle is in good mechanical condition before the job begins. For any questions, please call 1300 885 799.
Q: What is a Force Majeure Event and how does it affect my job?
A: Force Majeure covers unexpected events outside our control — such as floods, fires, storms, industrial strikes or machinery failure. If a Force Majeure Event prevents us from completing your delivery, we will notify you as soon as possible. The obligation to perform is suspended during the event. If it continues for more than 7 days, either party may cancel the order without further obligation for that force majeure period. Call 1300 885 799 if you have specific concerns.
8. Important Disclaimer
Disclaimer — For Avatar & Internal Use
• This document is a knowledge base reference for the Truck Moves Australia AI avatar and internal team members.
• It does not constitute legal advice and should not be relied upon as such.
• The full, authoritative Service Conditions are published at truckmoves.com.au/terms-conditions.
• For specific legal or insurance queries, customers should seek independent legal and insurance advice.
• Truck Moves Australia Pty Ltd reserves the right to update its Service Conditions at any time.
• For any customer query that this document cannot fully answer, the avatar must direct the customer to 1300 885 799 or info@truckmoves.com.au.
TRUSTED BY AUSTRALIA’S
LEADING VEHICLE BRANDS
For over 30 years, Truck Moves Australia has been the go-to partner for dealerships, OEMs, rental fleets, government agencies, and ASX-listed companies. Our fully insured drivers, nationwide network, and transparent reporting deliver the reliability and professionalism high-stakes operations depend on.
When it has to be on time, damage-free, and fully compliant, Australia trusts Truck Moves.