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Fully Digital Motor Truck Cargo Insurance Coverage

Fully Digital Motor Truck Cargo Insurance Coverage

LuckyTruck Platform Features

Since the first wave of insurance technology companies in the mid-2010’s, there has been a strong push within the insurance industry to create fully digital insurance products.

This is for good reason: digital products are often easier to understand, don’t require lengthy phone calls / emails, and are available for purchase 24/7. Even with this digital product push among the broader insurance landscape — when it comes to trucking insurance and trucking insurance companies — distribution technology has stagnated. For the 15+ million trucks on the road, getting insurance is a headache.

That changes today.

Introducing The First Fully-Digital Motor Truck Cargo Insurance Product

We’re pleased to announce that trucking companies can now purchase a Motor Truck Cargo (MTC) policy from LuckyTruck that moves just as fast as they do!

Coinciding with the release of the new LuckyTruck platform, we’ve partnered with Great American Insurance Group to launch the first fully digital MTC Insurance product. Together, we are allowing truckers to intuitively and seamlessly get a trucking insurance quote, purchase, and bind an insurance policy in 10 minutes or less.

We’re pleased to announce that trucking companies can now purchase a Motor Truck Cargo (MTC) policy from LuckyTruck that moves just as fast as they do!
Coinciding with the release of the new LuckyTruck platform, we’ve partnered with Great American Insurance Group to launch the first fully digital MTC Insurance product. Together, we are allowing truckers to intuitively and seamlessly get a trucking insurance quote, purchase, and bind an insurance policy in 10 minutes or less.

“Truckers are often not on the road during their insurance agent’s typical business hours, and in the fast-paced world of trucking every minute counts. We saw an opportunity to connect with our insureds differently, in a way that better meets their needs. Our digital motor truck cargo (MTC) product is smart, fast, easy to use, and accessible around the clock.”

How to Get Motor Truck Cargo Insurance in 10 Minutes or Less

We’ve eliminated 100+ question applications, back-and-forth phone calls, multiple emails, and manual payment processing, so you can seamlessly quote, purchase, and bind a motor truck cargo insurance policy. Instead of the 1-3 days it used to take to get coverage, truckers can now get coverage in minutes.


LuckyTruck’s MTC insurance product features a custom 11 question application and offers a suite of additional coverage options including:

  • Pollution clean-up and removal

  • Spoilage/freezing

  • Non-owned trailer/container

  • Owner’s goods

Further, this A+ rated MTC product will accept:

  • Up to 4 minor driving violations

  • One loss up to $10,000 within the last 36 months

Easy Payment Portal to Keep You Moving

As part of this product launch, we also developed a fully integrated payment portal to ensure that each step in the journey is digitized, eliminating manual kick-outs that slow down the purchase process.

Powered by Ascend’s modern payment platform, we allow customers purchasing the Great American MTC product to pay-in-full or enroll in premium financing instantaneously via credit card or ACH. After completing this initial payment, the policy is bound in a matter of microseconds. So instead of sitting on the side of the road waiting for coverage, truckers can now hit the open road in a matter of minutes with the truck cargo coverage they need!

To get started, create your LuckyTruck account here. 700+ truckers rely on LuckyTruck’s online platform for simple trucking insurance. If you have any questions about getting trucking insurance for your trucking business, get in touch. We’re here to help!

Motor Truck Cargo Insurance FAQs

What is motor truck cargo insurance?
A motor truck cargo policy protects against the risks of losses or damages to the commodities being hauled.

What does cargo insurance cover?
Cargo insurance covers damages or losses to cargo. Covered events might include natural disasters, vehicle accidents, cargo abandonment, customs rejection, acts of war, and piracy.

Who needs motor truck cargo insurance?
Because there are a variety of risks commercial truck drivers may encounter on the road, from weather and equipment failures to unforeseen circumstances, all transporters should consider finding the best motor truck cargo insurance to protect their liability.

What does Motor truck Cargo Insurance not cover?
Motor Truck Cargo insurance does not include garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. Cargo, like art, jewelry, money, or paper. Additionally, contraband, pharmaceuticals, tobacco, and alcohol are not covered.

Is Motor Truck Cargo Insurance available in my state?
LuckyTruck's motor truck cargo insurance is available in all states.

Since the first wave of insurance technology companies in the mid-2010’s, there has been a strong push within the insurance industry to create fully digital insurance products.

This is for good reason: digital products are often easier to understand, don’t require lengthy phone calls / emails, and are available for purchase 24/7. Even with this digital product push among the broader insurance landscape — when it comes to trucking insurance and trucking insurance companies — distribution technology has stagnated. For the 15+ million trucks on the road, getting insurance is a headache.

That changes today.

Introducing The First Fully-Digital Motor Truck Cargo Insurance Product

We’re pleased to announce that trucking companies can now purchase a Motor Truck Cargo (MTC) policy from LuckyTruck that moves just as fast as they do!

Coinciding with the release of the new LuckyTruck platform, we’ve partnered with Great American Insurance Group to launch the first fully digital MTC Insurance product. Together, we are allowing truckers to intuitively and seamlessly get a trucking insurance quote, purchase, and bind an insurance policy in 10 minutes or less.

We’re pleased to announce that trucking companies can now purchase a Motor Truck Cargo (MTC) policy from LuckyTruck that moves just as fast as they do!
Coinciding with the release of the new LuckyTruck platform, we’ve partnered with Great American Insurance Group to launch the first fully digital MTC Insurance product. Together, we are allowing truckers to intuitively and seamlessly get a trucking insurance quote, purchase, and bind an insurance policy in 10 minutes or less.

“Truckers are often not on the road during their insurance agent’s typical business hours, and in the fast-paced world of trucking every minute counts. We saw an opportunity to connect with our insureds differently, in a way that better meets their needs. Our digital motor truck cargo (MTC) product is smart, fast, easy to use, and accessible around the clock.”

How to Get Motor Truck Cargo Insurance in 10 Minutes or Less

We’ve eliminated 100+ question applications, back-and-forth phone calls, multiple emails, and manual payment processing, so you can seamlessly quote, purchase, and bind a motor truck cargo insurance policy. Instead of the 1-3 days it used to take to get coverage, truckers can now get coverage in minutes.


LuckyTruck’s MTC insurance product features a custom 11 question application and offers a suite of additional coverage options including:

  • Pollution clean-up and removal

  • Spoilage/freezing

  • Non-owned trailer/container

  • Owner’s goods

Further, this A+ rated MTC product will accept:

  • Up to 4 minor driving violations

  • One loss up to $10,000 within the last 36 months

Easy Payment Portal to Keep You Moving

As part of this product launch, we also developed a fully integrated payment portal to ensure that each step in the journey is digitized, eliminating manual kick-outs that slow down the purchase process.

Powered by Ascend’s modern payment platform, we allow customers purchasing the Great American MTC product to pay-in-full or enroll in premium financing instantaneously via credit card or ACH. After completing this initial payment, the policy is bound in a matter of microseconds. So instead of sitting on the side of the road waiting for coverage, truckers can now hit the open road in a matter of minutes with the truck cargo coverage they need!

To get started, create your LuckyTruck account here. 700+ truckers rely on LuckyTruck’s online platform for simple trucking insurance. If you have any questions about getting trucking insurance for your trucking business, get in touch. We’re here to help!

Motor Truck Cargo Insurance FAQs

What is motor truck cargo insurance?
A motor truck cargo policy protects against the risks of losses or damages to the commodities being hauled.

What does cargo insurance cover?
Cargo insurance covers damages or losses to cargo. Covered events might include natural disasters, vehicle accidents, cargo abandonment, customs rejection, acts of war, and piracy.

Who needs motor truck cargo insurance?
Because there are a variety of risks commercial truck drivers may encounter on the road, from weather and equipment failures to unforeseen circumstances, all transporters should consider finding the best motor truck cargo insurance to protect their liability.

What does Motor truck Cargo Insurance not cover?
Motor Truck Cargo insurance does not include garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. Cargo, like art, jewelry, money, or paper. Additionally, contraband, pharmaceuticals, tobacco, and alcohol are not covered.

Is Motor Truck Cargo Insurance available in my state?
LuckyTruck's motor truck cargo insurance is available in all states.

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