Commercial Motor Insurance
Commercial Motor Insurance for Business Vehicles
Tradies, couriers and service businesses — cover that matches how the vehicle is used.
Once a car, van or ute is used for business, private car cover is rarely enough. We look at the vehicle, drivers, tools and signwriting before comparing suitable options from 100+ insurer markets. Get a quote or call 02 8660 2305.
Access across leading Australian insurers and underwriting agencies, including:
Who It’s For
Business vehicles, not just private cars.
Tradies, couriers, sales teams and service businesses rely on vehicles every day. Commercial motor insurance is arranged for that use. Cover always depends on the policy wording, limits and exclusions — we explain what may and may not be included before you buy.
100+
Insurer Markets
5.0
Google Review Rating
Covers to Consider
Commercial motor options to discuss.
Third-party property damage
Tools and equipment
Signwriting and fit-out
Fleet arrangements
Heavy vehicles
Who We Insure
Businesses that need the vehicle every day.
Premium Factors
What can affect your premium.
How the vehicle is used
Who drives
Vehicle value and fit-out
Claims history
How It Works
Declare the use, then compare.
Internal Links
Related pages to check next.
Frequently Asked Questions
General advice only. It does not take into account your objectives, financial situation or needs. Read the relevant PDS and our Financial Services Guide before deciding.
Yes. Private car policies are usually for personal use. Once a vehicle is used for business — deliveries, trades, client visits — insurers typically expect commercial motor cover that matches that use.
Not always under the motor policy alone. Tools and equipment may need separate tools or contents cover, depending on the policy. Tell us what you carry so we can check.
Often yes, if they meet the policy’s driver conditions. Age, licence and excess rules can apply. Declare who will drive before they use the vehicle.
Usually yes. Signwriting, racks, refrigeration and other fit-out can affect the sum insured and how the vehicle is rated. Undeclared extras may not be fully covered.
Get a commercial motor insurance quote
Free policy review: send us your current schedule and we’ll check it for gaps. Prefer to talk? Call 02 8660 2305.