Ute Insurance
A work ute is a tradie's office, toolbox and tow vehicle all in one, and it earns every day it is on the road.
We arrange ute insurance that covers the vehicle, the tools you carry and the liability that comes with the work you do.
One specialist broker who understands trade and commercial vehicles, not a call centre reading a script.
Cover for the Ute, Your Tools and the Job
A ute rarely works alone, it carries tools, tows trailers and turns up to job sites every day.
That working life exposes it to risks a private car policy is not built to handle.
We structure cover that protects the vehicle, your tools of trade and your liability, so a setback does not stop the work.
Ute Insurance is one of the vehicles we cover under our Commercial Vehicle Insurance.
“For most tradies the tools in the tray are worth more than the ute itself, and both need covering.”
What Ute Insurance Typically Covers
Cover is tailored to how you use the ute and the trade you are in, and generally includes the following.
- Accidental damage, collision and fire to the ute
- Theft and attempted theft of the vehicle
- Tools of trade carried in the tray, canopy or toolboxes, where arranged
- Canopy, toolbox and fit-out added to the vehicle
- Trailer and towing liability while hauling a work trailer, where arranged
- Public liability for injury or damage caused by your work, where arranged
- Signage and signwriting on the vehicle
- Cover for on-site, rural and off-road use where your work takes you
Cover varies by insurer and how you operate. We confirm exactly what is and isn’t included before you rely on it.
The Risks a Work Ute Faces
A ute that turns up to job sites carries exposures a private vehicle never does.
Tool Theft From the Tray
Tools left in a tray or canopy are a constant target on site and overnight, and replacing a full kit can cost more than the ute.
Downtime That Stops the Job
A ute off the road after a claim means missed jobs and lost income until it is back, which is why getting moving again matters.
Towing and Trailer Incidents
Hauling a trailer of gear or plant adds risk on the road, and damage to what you tow or to third parties can fall back on you.
Cover Types That Work With Ute Insurance
Most trade and commercial ute owners arrange one or two of these alongside the vehicle cover.
Get Ute Insurance Sorted Properly
Talk to a specialist transport and plant broker who knows what your asset is worth and how it works.
Call 1300 78 78 25Other Vehicles & Equipment We Cover
Most operators run more than one type of asset. These are the ones most often insured alongside it.
Get a Ute Insurance Quote
Tell us about your asset and how you use it. We’ll arrange cover that fits and respond within 1 business day.
Call us1300 78 78 25Ute Insurance: Frequently Asked Questions
They can be, and for a tradie it is one of the most important parts. Tools of trade carried in the tray, canopy or toolboxes are arranged alongside the vehicle cover so a break-in does not wipe out your kit. We set the limit to match what you carry.
Yes. Cover can be arranged that follows the ute while it tows a work trailer, including liability for damage the trailer or its load causes. We confirm the towing cover suits what you haul.
Yes. The canopy, toolboxes, racks and fit-out you add to the ute are scheduled and covered, not just the standard vehicle, so the money you have put into the setup is protected.
It is, because a work ute carries tools, tows trailers and visits job sites, which changes the risk. We tailor the policy to commercial and trade use rather than a private car policy that may not respond.
Yes. If you run a few utes across a trade business, a fleet policy brings them under one renewal with a shared claims history, which is simpler than separate policies.
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.