Life Insurance for Truck Drivers in Australia

Truck driving is one of Australia’s most essential — and most demanding — jobs. Whether you’re hauling freight interstate, doing local deliveries, or managing your own rig, the risks on the road are constant. That’s why having the right life insurance matters.

​

At Covermate Life, we specialise in helping Australian truck drivers and transport professionals find affordable, tailored cover — so you and your family stay protected no matter what happens.

​

Why Life Insurance Matters for Truck Drivers

Every day, truck drivers face unique pressures:

• Long hours and fatigue

• Time away from family

• Exposure to road accidents

• Health issues such as high blood pressure, sleep apnoea or back problems

 

While superannuation often includes some basic life cover, it’s rarely enough to replace your income or clear debts if something serious happens. Personal life insurance ensures your loved ones can manage household costs, mortgages, and future plans if you’re no longer around.

​

Types of Cover for Truck Drivers

1. Life Insurance

Pays a lump sum to your family if you pass away or are diagnosed with a terminal illness.
Ideal for covering your mortgage, debts, or providing long-term financial support for dependents.

​

2. Total & Permanent Disability (TPD) Insurance

Pays a lump sum if you’re permanently unable to work again due to injury or illness.
For truck drivers, this can include loss of licence, severe injury, or medical conditions that make driving unsafe.

​

3. Trauma (Critical Illness) Insurance

Pays a benefit if you’re diagnosed with a major illness such as heart attack, stroke, or cancer — conditions that are more common among drivers due to lifestyle and stress.

​

4. Income Protection Insurance

Replaces part of your income (usually up to 75%) if you can’t work temporarily due to sickness or injury.
For drivers who rely on every kilometre travelled, income protection can be the most valuable safety net.

​

Can Truck Drivers Get Life Insurance?

Yes. Most major Australian insurers offer life cover for truck drivers — both employed and self-employed.
The key is how your occupation is classified and how the insurer views your risk level.

​

Insurers consider:

• The type of driving (long haul vs local)

• Hours worked each week

• Accident history and safety record

• Health conditions (especially sleep apnoea or BMI)

 

Even if your occupation is considered higher risk, Covermate Life works with multiple insurers to find cover at competitive rates — often with fewer exclusions than going direct.

​

How Much Does It Cost?

Premiums depend on factors like age, health, smoking status, and the level of cover you choose.

For example, a 40-year-old non-smoking truck driver could expect life insurance premiums starting from around $40–$60 per month, depending on the insurer and benefits included.

​

We compare policies across leading Australian insurers to make sure you only pay for what you need — and avoid hidden loadings.

​

What If I Have Sleep Apnoea or Other Health Issues?

Sleep apnoea is common among truck drivers and doesn’t automatically disqualify you.  Iff it’s well controlled with CPAP treatment and medical documentation, many insurers will still offer full cover.

We’ll help you prepare your application to ensure insurers see your condition in the best possible light.

​

Is Life Insurance Tax Deductible?

• Life Insurance: usually not tax deductible (unless held inside super).

• Income Protection: generally tax deductible for most drivers.
  Always confirm your eligibility with your accountant or tax adviser.

​

Tips for Truck Drivers Applying for Cover

1. Be upfront about your driving hours and health. Full disclosure avoids claim issues later.

2. Compare insurers — some classify truck driving differently, affecting pricing and terms.

3. Bundle policies — combining life, TPD and income protection often reduces cost.

4. Review every 2–3 years — lifestyle, income, and family needs change.

 

Covermate Life can do the comparisons and paperwork for you — and help manage claims if you ever need to use your policy.

​

Why Choose Covermate Life?

• Specialists in life insurance for high-risk and essential workers

• Access to multiple Australian insurers — not tied to one brand

• Experience with transport, logistics, and owner-driver policies

• Friendly, local advice with no upfront fees

• Ongoing support for policy reviews and claims

• Your job keeps Australia moving. Let us make sure your family stays protected if life takes an unexpected turn.

​

Frequently Asked Questions

Can I get cover if I’m an owner-driver or contractor?

Yes. Most insurers cover self-employed drivers. Income protection and trauma cover are particularly important for those without employer benefits.

​

Will my policy cover accidents on the road?

Yes. Standard life and TPD insurance include coverage for road accidents, provided they were not due to criminal activity (e.g., driving under the influence).

​

What if I take time off driving?

You can usually keep your cover active. If you switch jobs or reduce your hours, notify your insurer so your occupation rating can be updated.

​

How do I apply?

Simply contact Covermate Life. We’ll compare policies, handle your application, and guide you through the insurer’s medical questions — all at no cost to you.

​

Ready to Protect Your Future?

You spend your days keeping Australia’s economy moving — let’s make sure your family’s future keeps moving too.
Speak with a Covermate Life insurance specialist today and find out how affordable peace of mind can be.

We’ll compare, advise, and help you secure cover that fits your lifestyle.

​

Quote now

​

Back to Life Insurance by Occupation