Comprehensive commercial motor
May cover accidental damage, fire and theft of the business vehicle, subject to policy terms.
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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 our panel of insurers and underwriting agencies. Get a quote or call 02 8660 2305.
Access across leading Australian insurers and underwriting agencies, including:
Who It’s For
Who commercial motor insurance is for
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, and we explain what may and may not be included before you buy.
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Insurer Markets
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Covers to Consider
Commercial motor options to discuss.
Third-party property damage
May respond if your vehicle damages someone else’s property.
Learn moreTools and equipment
Tools in the vehicle are not always covered under motor alone — ask about tools or contents options.
Learn moreSignwriting and fit-out
Signwriting, racks and refrigeration often need to be declared so values are accurate.
Fleet arrangements
Several vehicles may suit a motor fleet policy instead.
Learn moreHeavy vehicles
Trucks and prime movers belong on truck-focused cover.
Learn more
Who We Insure
Businesses that need the vehicle every day.
Premium Factors
What can affect your premium.
How the vehicle is used
Deliveries, trades, client visits and commuting can all rate differently.
Who drives
Employees and age or experience conditions may apply.
Vehicle value and fit-out
Declared value should reflect signwriting and accessories where required.
Claims history
Past claims can affect price and terms at renewal.
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.
It can be. Insurers treat commuting to a fixed workplace differently from driving between jobs, visiting customers or carrying tools and stock. If your vehicle does the second kind of work, tell us so the use is declared correctly.
Not usually. Motor cover is for the vehicle. Freight you carry for customers is typically covered by goods in transit insurance, so tell us what you deliver and who is responsible for it.
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.
Comprehensive cover can respond to damage to your own vehicle from an accident, fire or theft, as well as damage you cause to other people’s property, subject to the policy. Third-party property damage cover responds to damage you cause to other people’s property but not damage to your own vehicle. We’ll explain the trade-off for your vehicle’s value.
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.