Types of cover

Heavy Vehicle Transport Insurance

The Heavy Motor Transport sector of insurance is very competitive when it comes to price. But price is not everything. CPR Insurance suggest you consider a cover that will more suit your business. You need rapid responses and fast turnaround of paperwork. Insurers with the latest technology and systems, and a claims department when it is needed that will provide you with the best possible service.

So don’t just choose on price, though we will always seek to get you the best cover at the best price.

Claims Service – why else do you bother to insure? 

You want a claims service to be available Australia Wide through broad national networks of approved, Independent Loss Assessors, using your own choice of repairer . 
On staff assessors who get their salary from the insurers may possibly have the aim of cost cutting rather than making sure you get the best quality repair work. 
Choose an insurer who doesn’t insist that repairers obtain parts for the repair of your vehicle from a particular source. Repairers should be free to conduct the repair of an insured vehicle in the best & fastest manner possible, in consultation with the Independent Loss Assessors.
Try to get an Insurer who doesn’t try to encourage you to use particular repairers with whom they may have come to certain prior agreements, by labelling them as Recommended Repairers. You should have complete freedom to choose the repairer you want. 

Other benefits to consider in a comprehensive cover policy are:

 Seek a Non Placarded Dangerous Goods liability Cover including Asbestos 
 Available is $30 Million Liability Cover, including Supplementary Bodily Injury. 
 Replacement New Vehicle up to 3 Years Old – for all cars, trucks & trailers (if available in Australia), including On Road costs. 
 Finance Payout to at least 25% above Market Value (subject to Sum Insured). 
 Non-Owned trailer Material Damage cover (excluding Tanker and Temperature Controlled trailers which are separately insured). 
 Clean up costs of the load. 
 All Sign – Writing, Artwork, Fixed Accessories and Tarpaulins, Gates, Chains and Binders on your vehicle at the time of an accident, automatically covered up to the Sum Insured. 
 Automatic Inclusion of new vehicles up to $1 million Sum Insured – may need to be notified to insurers within 30 days of purchase. 
 Automatic Inclusion of all Financiers of all insured vehicles. 
 Automatic Inclusion of vehicles in any new company the insured acquires. 
 Rekeying / Recoding costs - if vehicle stolen or keys lost 
 Driver Repatriation costs 
 Cross Liability Clause 
 Vehicle Hire costs after theft for 30 days 
 Vehicle Retrieval costs after repair or theft 
 Vehicle retrieval costs if immobilized but undamaged. 
 Legal Costs - No sublimit, Reasonable Costs can be covered. 
 No sub-limit on Towing & Fire Brigade costs - Reasonable Costs. 
 Medical Expenses 
 Expediting Expenses
 Personal Property 
 Substitute Vehicle covered while yours is repaired. 
 Authorise own repairs to at least $5,000. 
 Shows & Exhibitions - Your vehicle is covered if you put it on static display. 
 Average set as low as possible
 Towed Vehicles & Trailers - covered for liability while being towed. 
 make your cover Agreed Value for any Truck, Prime Mover, Trailer or Plant & Equipment. 

 

Further Information

Insurer liaises with Brokers on horrific transport risks

Latest News

Will you lose the value of a Broker?

If you listen to the Podcast on this link you will here Robert Cooper explain to his Accountant why Small Business stands to lose if Insurance Brokers are not there to advise start up businesses and established businesses about the risks their occupation carries and how they can deal with them. Simply because they will not want to pay the fees that would be charged. Currently instead, Insurance Companies pay the Broker after the Insurance has been placed with them. Perhaps the premiums will appear a bit cheaper in the first year? Then they will question the fees an Insurance Broker puts on top and finds they can go to the Internet and obtain the same cover at the same price. However, they will not have the constant advice and claims advocacy that comes with an Insurance Broker. The big loser is definitely the Consumer as direct insurers give absolutely no advice, only price.

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Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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