Commercial motor insurance
Commercial motor insurance quotes from licensed Australian brokers
Utes, vans and work vehicles carrying tools, stock or staff. Get quotes from brokers who write cover around how the vehicle actually earns its keep.
- Licensed Australian brokers
- Free to use
- No obligation
The moment a vehicle starts doing work, a personal motor policy becomes the wrong product. Insurers draw a line between private use and business use, and a claim made on a private policy for a vehicle that was carrying stock or tools is where that line gets tested. Commercial motor covers vehicles used in a business, from a single tradesman's ute through to a handful of vans. CoverMy is free to use. Tell us what you run and licensed Australian brokers come back with options.
What commercial motor usually covers
The structure is similar to a private motor policy, but the terms are written for business use. Cover is normally comprehensive, responding to damage to your vehicle and to damage you cause to others. Where it differs is in the extras that only matter when a vehicle is working.
- Damage to the vehicle, including business fit out and signage on many wordings
- Legal liability for damage you cause to other people's property
- Hire vehicle following an accident, which matters more when the vehicle is how you earn
- Cover while employees are driving, not just the owner
- Options for goods carried, though tools often sit better on a separate policy
- Substitute or newly acquired vehicles for a set period
Tools and stock are usually a separate question
This trips people up regularly. A commercial motor policy insures the vehicle. It does not automatically insure the several thousand dollars of tools in the back of it, or the stock being delivered. Some policies offer a limited amount for contents, but the sums are often modest. Tools of trade cover and goods in transit cover deal with those risks properly. If you carry anything valuable, ask your broker to price them alongside the motor policy so there is no gap between the two.
What affects your premium
Insurers look at the vehicle, the work it does and who drives it. A van doing suburban deliveries is a different risk to a ute travelling long distances between regional sites. Annual kilometres, the radius you operate in and overnight parking all feed in. Driver history matters, and where employees drive, insurers will want to know about your youngest and least experienced drivers. Claims over the last few years carry weight, as does the excess you are prepared to hold.
When you should move to a fleet policy
Individual commercial motor policies work well up to a point. Once you are running several vehicles, managing separate renewals and excesses becomes a job in itself, and you lose the ability to be rated on your own claims experience rather than on each vehicle individually. Insurers generally start looking at fleet arrangements from around ten vehicles, though it varies. If you are near that mark, ask your broker to quote both ways and compare.
How it works
- 1
Tell us about your vehicles and how they are used
2 min form
- 2
Licensed brokers review and compete on your quote
- 3
Compare offers and choose
No obligation
Frequently asked questions
Can I just use my personal car insurance for work?
Generally not if the vehicle is used for business. Insurers distinguish between private use, business use and carrying goods for hire or reward, and cover can be affected if the use does not match what was disclosed. Describe the actual use when you apply and let the insurer price it properly.
Are my tools covered in the back of the ute?
Usually not under the motor policy, or only for a limited amount. Tools of trade cover is a separate product and typically responds to theft and damage away from your premises, often with conditions around forced entry and locked storage. Worth pricing alongside the vehicle.
What does commercial motor insurance cost?
It depends on the vehicle, the work it does, the kilometres, where it is kept overnight and who drives it. A single ute for a sole trader and a van doing city deliveries with several drivers sit in different brackets. A broker can put your details to several insurers and come back with real figures.
Does the policy cover my employees driving?
Most commercial policies contemplate employee drivers, but the terms vary and some apply extra excesses for young or inexperienced drivers. If you have staff under 25 driving, disclose it. It affects the premium but it is far better than discovering the position at claim time.
Is signage and fit out covered?
Often yes, though usually up to a stated limit and sometimes only if it was declared. Racking, shelving, refrigeration units and vehicle wraps can add up quickly. Tell your broker what is fitted so the sum insured reflects the vehicle as it actually stands.
Does CoverMy sell the insurance?
No. CoverMy passes your request to licensed Australian brokers who contact you directly. All advice, quotes and policies come from the broker you deal with. There is no cost and no obligation.
Get commercial motor insurance quotes
Tell us about your vehicles and licensed brokers will be in touch. Or call 1800 677 761.
Other cover you might need
This page is general information only. It does not take your situation into account and it is not a recommendation to buy any policy. Cover, limits and exclusions vary between insurers, so read the Product Disclosure Statement and Target Market Determination and refer to your broker for the full details of any policy.
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This page is general information only. It does not take your situation into account and it is not a recommendation to buy any policy. Cover, limits and exclusions vary between insurers, so read the Product Disclosure Statement and Target Market Determination and refer to your broker for the full details of any policy.
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