MOTOR & TRANSPORT
Commercial Motor Insurance
For Australian businesses using utes, vans, trucks, specialist vehicles or fleets as part of their operation.
OVERVIEW
The vehicle is only part of the risk
Commercial Motor Insurance can cover individual business vehicles, multiple vehicles or larger fleet arrangements, depending on the business and insurer.
Australian terminology and operating conditions matter. A trade ute working locally presents a different risk from a truck travelling long distances, a delivery fleet operating in metropolitan traffic or a specialist vehicle carrying equipment or dangerous goods.
WHAT MATTERS
Use, radius, drivers and what the vehicle carries
Insurers commonly ask about vehicle type, business use, operating radius, driver profile, claims history, dangerous goods, goods carried, modifications, finance arrangements and overnight location.
Where a business operates multiple vehicles, fleet structure, driver management and claims control can become increasingly important.
Understand more. Or begin.
Read the Australian Commercial Motor guide, or start your proposal with the vehicles and how the business uses them.
Australian insurance context
For Australian organisations, Commercial Motor Insurance should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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