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    3. Plant & Machinery Insurance

    Plant & Machinery Insurance

    Citycover is recognised as one of the leading insurance brokers in the Plant & Machinery field. Earthmoving Plant and Equipment policies provide tailored covers to protect the machine, its attachments, equipment and liability sections.

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  • Our Plant & Machinery experts can help you with a specifically designed solution when insuring equipment.

      • Earthmoving, Excavators, Skid Steers & attachments, Asphalting Machines.
      • Cranes & Lifting Equipment, Trucks & Tippers, Forklifts.
      • Non-self Propelled Plant.
      • Concreting Equipment including Booms, Line Pumps, & Satellite Pumps.
      • Agricultural Equipment, farm equipment, harvesters.
      • Mining & Drilling Equipment, Drilling Rigs.
  • Our Policies Can Cover

    Plant & Machinery Insurance needs more cover options and benefits than a standard Commercial Motor Insurance Policy. The risks of damage to high value equipment and liability issues exist in this industry on a daily basis. We can protect you against these risks by providing a specific range of covers that we know will respond when required.

    • Financial Loss

      Agreed Value/Lease value protection, OR Lease Payment protection.

    • Continuation of Business

      Increased Cost of Working cover, OR Consequential Loss cover.

    • Owner Protection Plus

      Covering your interests should your vehicle be operated by an employee, outside the manufacturer’s specifications (E.g. Damage caused by accidentally lifting a load which is too heavy for the machine).

    • New for Old Replacement

      For machines and motor vehicles purchased new and less than two years old.


    • Unspecified Attachments

      A number of insurers say if not specified not covered. We can get unspecified attachments $10,000 or 10% of Sum Insured.

    • Hired In Plant cover

      Cover for sudden and unforeseen physical loss, damage or destruction for mobile plant and equipment hired in.

    • Hire Vehicles

      Substitute Vehicles whilst your vehicle is being repaired.

    • Dry Hire

      Items owned but hired out to a third party without an operator.  


    • Material Damage

      Covers your Equipment against losses due to Fire, Storm and tempest, Earthquake, and Malicious Acts.

    • Public Liability Insurance

      Liability cover away from the vehicles insured.

    • Road Risk

      Cover for Third Party or Property Damage arising from the use, operation or towing of a registered road vehicle or machine in connection with the business.

    • Machinery Breakdown

      Covers the sudden and unexpected breakdown of a mechanical, electrical or electronic part of a machine that prevents the normal use of the machine.

    • Broadform Liability

      Legal liability for personal injury, property damage or advertising injury caused by an occurrence in connection with the declared business activities.

  • Why Us?

    Whether your business has one machine or one hundred machines, we look after clients big and small, and can provide a full risk review at no expense to your business. At Citycover, we think outside the box and look for ways to further protect your business against ongoing changes in government legislation.

      • We have access to Specialist Plant & Equipment Insurers.
      • Experienced Insurance Advisers able to design a package policy for your consideration.
      • Experienced and respected Industry Claims officers.
      • A valued and highly experienced Claims Management team.
      • The PPSR security register is of vital importance for many businesses with the recent change in legislation. Your vehicle may be locked up with liquidators if it is left on the job site of a third party who goes into liquidation.
      • Risk Management Options.
      • Ability to obtain premium discounts for drivers who have experience moving into their own business.
      • We communicate with Logistic and Plant & Machinery solicitors who advise latest Law changes.
  • FAQs

    Frequently Asked Questions for Plant & Machinery Insurance.

    • Why Register or Unregister?

      If on a Public Road and that can include a driveway, then you should register.

    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • Why do you have to advise Business Activities?

      Some Insurers do not cover certain Business Activities, for example Civil work Air Side, Rail side, or Underground Mining.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

    • Is it covered when stored on a Work Site?

      Be warned about the PPS Report and certain policies that have Malicious Damage Excesses. Speak to your adviser regarding storage to get the most suitable policy.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Managing Director

      Stewart Harker


      Daneille Crawford

      Head of Client Services

      Gayle Herriman

      Head of Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

    • Paul McGregor from Citycover has been the insurance adviser for our business for many years. We have always found him to be diligent and very thorough with all of the insurance matters we have put to him. His professionalism and attention to details has given us peace of mind when it comes to all our insurances.

      Cate P
      Business Owner
      7th November, 2017