Commercial Motor Insurance is designed to protect vehicles used for business purposes, including sedans, vans, utes, trucks, and trailers.
Protection for vehicles that keep your business moving
Unlike personal car insurance, this policy covers vehicles while they are used for work-related activities such as deliveries, site visits, or transporting equipment. It is essential for businesses that rely on mobility to operate efficiently.
Commercial Motor Insurance Options
Commercial Motor Insurance typically offers three levels of coverage, depending on your business needs:
Comprehensive
Covers accidental damage, theft, fire, storm, and third-party liability.
Fire, Theft & Third Party
overs fire, theft, and damage to other vehicles or property (does not cover accidental damage to your own vehicle).
Third Party Property
nly Covers damage your vehicle causes to other people’s property or vehicles.
Additional Benefits May Include:
New Vehicle Replacement
After total loss (within 2 years of registration).
Hire Vehicle Costs
Hire Vehicle Costs: Up to $3,000 per vehicle after fire or theft.
Tools & Personal Items Coverage
Up to $2,000 for tools and personal items damaged alongside the vehicle.
Goods in Transit Protection
Coverage for items being transported.
Mechanical Breakdown Cover
For vehicles under 5 years old, up to $2,000.
Cover at a glance
Comprehensive, fire & theft, or third-party cover options
Protection for business-use cars, vans, utes, trucks, and trailers
Cover for damage, theft, fire, and accidental loss
Liability protection for damage to other vehicles or property
Optional cover for tools, goods in transit, and hire vehicles
Flexible excess and fleet options tailored to your business needs
Who needs it?
Commercial motor insurance is essential for any business that uses vehicles for work. Whether you operate a single ute or manage an entire fleet, it ensures your vehicles, drivers, and goods stay protected while on the job.
Small businesses
Small businesses and sole traders using vehicles for deliveries, client visits, or transporting tools.
Fleet operators
Fleet operators managing multiple vehicles across locations.
Tradies and contractors
Tradies and contractors relying on utes or vans for equipment.
Retailers and wholesalers
Retailers and wholesalers moving stock between warehouses or stores.
Logistics and transport companies
Logistics and transport companies with light or heavy vehicles.
When personal cover isn’t enough
If your vehicle is used for any business-related purpose—especially if it’s branded, modified, or carries business goods—your personal car insurance may not provide coverage. Commercial Motor Insurance ensures you’re protected both on the road and off.
