Commercial Fleet Insurance
One coordinated policy for multiple business vehicles: simpler renewals, clearer administration and cover aligned to how your fleet is used.
Commercial Motor Cover
Commercial Motor Insurance for Australian Businesses
Protect the vehicles that keep your work moving.
From a single ute to a growing commercial fleet, we compare policies from leading Australian insurers so your vehicles, liability and business continuity are covered properly, not just cheaply.
Access across leading Australian insurers and underwriting agencies, including:
Why Commercial Motor Matters
Your vehicles keep revenue moving. Insurance should too.
Commercial motor insurance protects your business against accidental damage, theft, fire and third-party liability. Whether you run local deliveries or interstate freight, the right commercial motor policy reduces downtime and financial shock when something goes wrong on the road.
220+
Insurance Markets
98%
Claims Success Rate
15-25%
Premium Savings
4.9
Google Review Rating
Cover Options
Commercial motor solutions built around how you operate.
Commercial Motor / Truck Cover
Protection for trucks and commercial vehicles against accident, theft and liability exposures common in Australian transport operations.
Public Liability
Helps cover legal and compensation costs if your business activities cause injury or property damage to others.
Marine Cargo Cover
Optional cover for carriers needing protection for goods in transit, from defined events through to more comprehensive arrangements.
Who We Help
Built for operators who rely on the road.
Vehicle Types
Insurance advice across
common commercial vehicles.
Light Commercial
Utes, vans and light trucks used for trades, service calls and metro deliveries.
Rigid Trucks
2-10T+ rigid trucks for local freight, construction support and regional haulage.
Prime Movers
Long-distance and heavy transport operations with specialist underwriting needs.
Specialist Vehicles
Tippers, refrigerated trucks, tautliners, crane trucks and other purpose-built units.
Trailers
Dog trailers, articulated trailers and trailer-in-control arrangements where available.
Mixed Fleets
Businesses running cars, utes, vans and trucks under a coordinated fleet approach.
What May Be Covered
Typical protections under commercial motor policies.
Accidental Damage
Repair or replacement costs after collisions and other covered accidental events.
Theft & Attempted Theft
Financial protection if an insured vehicle is stolen or damaged during an attempted theft.
Fire & Weather
Cover for fire and insured weather events such as storm or hail, subject to policy terms.
Third-Party Property Damage
Helps meet legal liability if your vehicle damages someone else's property.
Windscreen & Glass
Many policies include repair or replacement of damaged glass to reduce downtime.
Accessories & Modifications
Permanently fitted accessories and approved modifications may be included depending on the insurer.
Important Limitations
What may not be covered
Every policy has boundaries. Tap a limitation to understand what to discuss with your broker before you buy.
Optional Benefits
Extras that can keep your business moving.
- 01
Hire Vehicle Following a Claim
Some policies contribute to hiring a replacement vehicle while yours is repaired after an approved claim.
- 02
New Vehicle Replacement
Eligible newer vehicles may qualify for replacement if written off within a set period after purchase.
- 03
Downtime Protection
Benefits designed to reduce financial impact while a key vehicle is off the road.
- 04
Sign Writing & Graphics
Cover for professionally applied branding after an insured loss, where offered by the insurer.
Our Process
A clearer path to the right commercial motor cover.
Why Ideal
Independent advice for commercial motor operators.
- 01
Independent, Not Tied to One Insurer
We work for you, comparing markets rather than pushing a single product.
- 02
Transport-Aware Advice
We understand how Australian commercial vehicles are used day to day.
- 03
Personal Service
Speak with brokers who explain options clearly and stay available after placement.
- 04
Claims Advocacy
When something happens, we help guide the claims process and keep things moving.
Frequently Asked Questions
Commercial motor insurance is designed for vehicles used in business. It can cover accidental damage, theft, fire and liability for damage your vehicle causes to others, depending on the policy you select.
If a vehicle is used for business, personal car insurance may not be adequate. We help you compare commercial options that match how the vehicle is actually used.
Yes. For eligible businesses we can explore fleet arrangements that bring multiple vehicles under a coordinated policy structure.
Insurers typically consider vehicle type and value, usage, driver experience, location, claims history, security and the level of cover selected.
Many policies provide Australia-wide cover, but conditions vary. We explain how your selected policy applies before you commit.
Share details about your vehicles, drivers, business use and insurance history. We'll compare suitable markets and walk you through the options.
See what commercial motor cover could cost your business.
Get a clear comparison from an independent broker who understands Australian commercial vehicles.