Commercial Vehicle Insurance
If a vehicle earns its keep for your business, it needs cover built for work, not a private car policy stretched to fit.
We arrange commercial vehicle insurance across the whole range you run, from trucks and vans to utes and buses, under one specialist broker.
One point of contact who understands how the vehicle actually works and will be there when you need to claim.
One Broker for Every Vehicle in Your Business
Most operators do not run just one type of vehicle. There is a truck out on the highway, a van doing deliveries and a ute turning up to site.
Insuring each of those through a different channel means different renewals, different claims lines and gaps nobody is watching.
We bring the whole lot under one specialist broker, so the cover is consistent and there is a single person who knows your business at claim time.
Cover for Every Commercial Vehicle You Run
Commercial vehicle insurance is the umbrella over each of these. Pick the vehicle you want to cover and we will tailor the policy to how you use it.
What Commercial Vehicle Insurance Typically Covers
Cover is tailored to the vehicle and the work it does, and generally includes the following.
- Accidental damage, collision and fire to the vehicle
- Theft and attempted theft of the vehicle and its contents
- Third-party property damage caused by the vehicle
- Public and product liability arising from the work you do
- Tools of trade, cargo and equipment carried on board, where arranged
- Windscreen and glass damage, where arranged
- Downtime and loss of income while the vehicle is off the road, where arranged
- One policy or a fleet policy across every vehicle you run
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
Why a Private Motor Policy Falls Short
A vehicle used for business faces exposures a personal policy was never priced for.
Business Use Not Declared
A private policy can be reduced or declined when the vehicle turns out to be working for a living. Commercial cover is written for that use from the start.
The Load and the Liability
The tools in the tray, the freight on the truck and the people on the bus all carry their own risk that a standard motor policy does not answer.
Downtime That Stops the Job
When a work vehicle is off the road the income stops too. Cover can be structured so a claim does not also mean weeks of lost work.
Get Your Commercial Cover Right With Paul
“Everyone can fill out a form and write a policy. Understanding your values, your contracts and where the risk actually sits, that is a completely different game.”
Paul Cohalan
Founding Principal Broker
Call Paul on 1300 78 78 25How We Arrange Your Cover
A straightforward process, run by a broker rather than a call centre.
Tell Us What You Run
The vehicles, how they are used and where. One conversation covers the whole fleet.
We Structure the Cover
We match each vehicle to the right policy and close the gaps a private policy would leave open.
You Compare and Choose
Clear options with the cover and price laid out, and a broker to explain the trade-offs.
We Are There at Claim Time
If something goes wrong, you deal with us, not a queue. We manage the claim end to end.
Related Cover
Transport operators rarely need just one policy. These are the covers most often arranged alongside it.
Cover Every Vehicle Under One Broker
No call centre, no generic form. A broker who understands commercial vehicles and will be there at claim time.
Get a Commercial Vehicle QuoteGet a Commercial Vehicle Insurance Quote
Tell us what you run and how you use it. We will arrange cover that fits and respond within 1 business day.
Commercial Vehicle Insurance: Frequently Asked Questions
Any vehicle used for business rather than private purposes, from a truck or van to a ute, bus or coach. If it earns for the business or carries tools, goods or passengers for work, it is a commercial vehicle and needs cover built for that use.
Yes. If you run a mix of trucks, vans and utes, a fleet policy can bring them under one renewal with a shared claims history. We work out whether a single fleet policy or separate policies suits your business best.
It is, because a work vehicle carries tools, freight or passengers and clocks up different kilometres in different conditions. We tailor the cover to that use, rather than stretching a private policy that may not respond when you claim.
It can. Tools of trade, cargo and equipment carried on board are arranged alongside the vehicle cover, so a break-in or an accident does not leave the load uninsured. We set the limits to match what you actually carry.
A broker compares insurers, structures the cover around how you operate and argues your corner at claim time. For a business running several vehicles, that is the difference between a policy that looks cheap and one that actually pays.
Compliance Disclaimer: This information is general in nature and does not take into account your objectives, financial situation or needs. Please consider the relevant Product Disclosure Statement (PDS) before making any decision.