AUSTRALIAN INSURANCE GUIDE
Commercial Motor Insurance Guide
A guide for Australian business vehicles, utes, vans, trucks and fleets.
QUICK ANSWER
What should an Australian business prepare for Commercial Motor Insurance?
Prepare vehicle details, business use, driver profile, operating radius, annual kilometres, claims history, goods carried, dangerous goods where relevant, modifications, finance interests and any fleet-management controls.
OVERVIEW
How and where the vehicle operates matters
Prepare vehicle details, business use, operating radius, driver profile, claims history, dangerous goods, goods carried, modifications, finance arrangements and overnight locations.
Fleet size and driver management become increasingly important as the number of vehicles grows.
Australian insurance context
For Australian businesses, Commercial Motor Insurance Guide 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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Published by DIBNI · Last reviewed 30 August 2026 · Editorial standards · Commercial insurance proposal guide