Insurance for unregistered truck

Submitted: Wednesday, Sep 30, 2026 at 11:02

ThreadID: 153969 Views:873 Replies:5 FollowUps:16

kevin c

Hi All,
I am looking at getting an unregistered truck in Qld & driving it to Vic to get registered. I will have the correct permits.
I have contacted Club4x4, they will insure it once registered, but not when in transit.
Anyone know of company that will cover it in transit?

Thanks, Kevin

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Reply By: Peter_n_Margaret - Wednesday, Sep 30, 2026 at 12:02

Wednesday, Sep 30, 2026 at 12:02

I am building an OKA motorhome. I have now spent a considerable sum on the vehicle and wanted to insure it, mostly for fire.
I tried very hard to get insurance, including through my broker, and failed because it was not registered.
I have since had it registered as a Historic Vehicle (over 25 years old in SA) and getting insurance is no problem anymore.
In your case is there any reason why you cannot get it registered in either Qld or Vic (whichever is easiest or cheapest) and then cancel or confirm it when you get home?
Cheers,
Peter
OKA196 motorhome

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AnswerID: 649617

Reply By: Stephen L (Clare) SA - Wednesday, Sep 30, 2026 at 12:18

Wednesday, Sep 30, 2026 at 12:18

Stick it on the back of a flattop

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AnswerID: 649618

Follow Up By: Peter_n_Margaret - Wednesday, Sep 30, 2026 at 13:55

Wednesday, Sep 30, 2026 at 13:55

That is how I got the OKA from Vic to SA during covid, but the insurance was still marginal to nil.
Then you still can't insure it when you get it home unless it has been to Regency for a roadworthy. Then when it is registered you are paying big dollars for comprehensive insurance for a vehicle you don't even drive. Sucks.
The limit for auto parts in the shed on your household insurance is $4k, which is peanuts.
Cheers,
Peter
OKA196 motorhome

FollowupID: 931481

Reply By: Bricky - Wednesday, Sep 30, 2026 at 13:13

Wednesday, Sep 30, 2026 at 13:13

Don't know how it works in Vic?
I was living in SA and bought a truck in Qld.
Took all the paperwork to Service SA, paid the reg fee and walked out with plates.
Flew up with them and drove the registered and insured truck home.

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AnswerID: 649621

Follow Up By: Peter_n_Margaret - Wednesday, Sep 30, 2026 at 14:04

Wednesday, Sep 30, 2026 at 14:04

Don't know how you managed that because I understood a vehicle from interstate needs a Regency inspection before it can be registered in SA?
Cheers,
Peter
OKA196 motorhome

FollowupID: 931482

Follow Up By: Bricky - Wednesday, Sep 30, 2026 at 14:19

Wednesday, Sep 30, 2026 at 14:19

Not sure. Maybe because it was new?

FollowupID: 931483

Follow Up By: Peter_n_Margaret - Wednesday, Sep 30, 2026 at 15:44

Wednesday, Sep 30, 2026 at 15:44

Yep, different rules for new.
Cheers,
Peter
OKA196 motorhome

FollowupID: 931484

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Reply By: IvanTheTerrible - Wednesday, Sep 30, 2026 at 19:26

Wednesday, Sep 30, 2026 at 19:26

Are you getting it registered once you get it home?

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AnswerID: 649622

Follow Up By: Batt's - Saturday, Oct 03, 2026 at 16:20

Saturday, Oct 03, 2026 at 16:20

In the 1st sentence

FollowupID: 931494

Follow Up By: IvanTheTerrible - Sunday, Oct 04, 2026 at 12:24

Sunday, Oct 04, 2026 at 12:24

You can get a cover note then

FollowupID: 931499

Follow Up By: Kenell - Monday, Oct 05, 2026 at 08:03

Monday, Oct 05, 2026 at 08:03

You are showing your age Ivan. Cover notes went out with button up boots. I reckon the last one I issued was in the 90s.

FollowupID: 931503

Follow Up By: IvanTheTerrible - Tuesday, Oct 06, 2026 at 19:29

Tuesday, Oct 06, 2026 at 19:29

I got a cover note 9 months ago. Get them everytime I buy a second hand vehicle!

FollowupID: 931506

Follow Up By: IvanTheTerrible - Tuesday, Oct 06, 2026 at 19:33

Tuesday, Oct 06, 2026 at 19:33

I do go through a broker though

FollowupID: 931508

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Reply By: Batt's - Saturday, Oct 03, 2026 at 16:23

Saturday, Oct 03, 2026 at 16:23

Try Shannon's you can only ask.
They will insure an un registered vehicle that's being restored not sure about your situation.

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AnswerID: 649634

Follow Up By: Peter_n_Margaret - Sunday, Oct 04, 2026 at 09:54

Sunday, Oct 04, 2026 at 09:54

Depends what the vehicle is and how old it is.
Shannons would not insure my 30 year old OKA that I am converting to a motorhome, just because it was becoming a motorhome.
It is now registered as "Historic Vehicle".
The OP has not shared the vehicle type or age, which may help.
Cheers,
Peter
OKA196 motorhome

FollowupID: 931497

Follow Up By: Batt's - Tuesday, Oct 06, 2026 at 12:55

Tuesday, Oct 06, 2026 at 12:55

Yes true no age or type mentioned also some people also ask a question and you don't hear from them again for whatever reason happens on different sites though.
Around 2yrs ago I asked about my 1979 Torana Sunbird which is unregistered can it be covered when being restored and when at a spray painters or mechanics for example they said yes though that may have changed since. I haven't started working on it yet still sitting under the back awning.

FollowupID: 931505

Follow Up By: kevin c - Wednesday, Oct 07, 2026 at 06:39

Wednesday, Oct 07, 2026 at 06:39

The vehicle is a 1997 Canter truck that is being modified by AAV4x4.

Club4x4 no longer insure unregistered vehicles.

Shanonns won’t insure it because of the value of modifications it needs to be garaged in lock up shed. It won’t fit in my shed.

RACV won’t insure because GVM over 5t

The only broker who was prepared to even look at getting insurance could only get “market value “ not agreed sum,

Kevin

FollowupID: 931509