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Motor Truck Cargo insurance is intended to provide Legal Liability coverage for truckers (common or contact carriers) while they are transporting property (cargo) of others. Motor Truck Cargo Insurance Protection is required under the Motor Carrier Act of 1935. The policy covers the Motor Truck carrier if it is legally liable for the destruction, damage, or other loss of the property being shipped. This includes stolen, broken and lost articles.

Physical Damage Insurance and Reinsurance

MTC/FTC (which include):

  • Fire
  • Earthquake
  • Theft
  • Lightning or explosion
  • Collision
  • Flood or rising waters
  • Windstorms or hail
  • Malicious damage, mischief or vandalism
  • The stranding, sinking, burning, collision or derailment of any conveyance in or upon which your vehicle is being transported


MTC Territories of cover predominantly include the following;

USA, Canada, UK & Europe, Middle East and the Far East, but can support worldwide


Maximum limits:

Auto Physical Damage:

USD$250,000 any one vehicle but USD$400,000 in respect of buses
USD$250,000 any one combination USD$1,000,000 any on terminal

Motor Truck Cargo Insurance (and Terrorism Risk Insurance Program Reauthorisation Act “TRIPRA” where applicable):

USD$250,000 any one truck
USD$500,000 any one loss


Additional Coverage Highlights

  • Dealer’s Open Lot
  • Garage Keeper’s Legal Liability coverage
  • Dealers (both franchised and non-franchised), garages, tow truck services, storage depots, etc who sell, service or hold autos, pickups, minivans, SUVs, RVs, trucks and buses


Extended Warranty (Electrical Mechanical Breakdown) & Gap Coverages for a variety of units as follows;

  • Motor Vehicles
  • Motorbikes/Scooters
  • LCV/Vans & Trucks
  • Tyre Covers
  • Boats
  • Heavy Plant & Equipment (which includes)
  • Construction Equipment
  • Agricultural Equipment



24 to 48 hours for indicative pricing and options subject to receipt of a satisfactory application

Contact: Tom Regan (