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Commercial Motor Vehicle Insurance

Cover designed to help keep your business vehicle on the road
Prefer to speak with a consultant? Call 1300 131 000.

What is Commercial Vehicle Insurance?

Our Commercial Motor Vehicle Insurance is designed to help your business cover the costs that may arise from events such as accidental damage to, or theft of, your business vehicles, such as cars, vans, utes and light trucks.

Cover up to two vehicles online with your Public and Products Liability Insurance as part of a Business Insurance Pack, or call us if you need cover for up to 20 vehicles.

Helpful tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you for damage to third-party property – or your own vehicle – when used in relation to your business. Check your personal car policy to see if you’re covered.

Need to insure multiple vehicles?
You can cover up to 2 online or call us to insure up to 20 vehicles as part of a Business Insurance Pack or through standalone Commercial Motor Insurance.
1300 131 000

What our Commercial Vehicle Insurance covers

Choose from three levels of business car insurance covers to suit your business needs: Comprehensive, Fire and Theft, or Third Party Property Damage.

Comprehensive cover

Cover for damage or loss to your vehicle and damage it causes to third-party property, when you’re partly or fully at fault in an accident.
  • Loss or damage to your vehicle
  • Covers the cost of replacing or repairing your vehicle following specified events: accidental damage including damage caused by fire, hail, flood, storm, earthquake; or theft, or malicious damage. We’ll pay the market value or agreed value sum insured based on the cover you’ve selected for your vehicle/s. 
  • Damage to third-party property
  • Covers what you’re legally liable to pay (up to $30 million) as compensation for loss or damage to someone else’s property caused by a motor vehicle accident with your vehicle. If a loss arises when dangerous goods are being transported, cover is limited up to $5 million.
  • New vehicle replacement
  • We may replace your vehicle with a new one of the same make, model, series and accessories (subject to local availability, where available in Australia and with the consent of any financier where applicable), if your vehicle is declared to be a total loss within two years of its first registration date.

    New-for-old replacement vehicle cover applies to the following vehicles: sedan, station wagon, four-wheel drive, panel van, utility or goods carrying vehicles under a specified gross vehicle mass.
  • Hire costs following fire and theft
  • We’ll help pay the cost of a hire vehicle until your vehicle’s recovered or repaired (up to $3,000 per vehicle).

    To qualify your vehicle must be a sedan, station wagon, four-wheel drive, panel van or utility, and the theft or fire must be reported to us and the police as soon as reasonably possible.
  • Emergency vehicle hire
  • In the event your vehicle is damaged in an accident or by an attempted theft and cannot be driven, we’ll pay you the cost of a hire vehicle up to $100 per day for up to two consecutive days.

    To qualify your vehicle must be a sedan, station wagon, four-wheel drive, panel van or utility, and the loss must be reported to us as soon as reasonably possible after occurrence.
  • Personal property
  • Cover for loss or damage to personal property which is damaged in a collision, stolen from your locked vehicle, or stolen at the same time as your vehicle. Covers up to $1,000 for any one accident or theft. Cover applies to personal property belonging to the custodian of the vehicle.
  • Accessories

    For policies effective on or after 28 October 2023, accessories will be covered within the Market Value. For the Agreed Value and the Sum Insured policies, we’ll insure up to the value of accessories included in the vehicle sum insured.

    Cover will include an EV wall charger, charging cable and charging accessories, including wall mount.

    (Unspecified Accessories - For policies effective on or before 27 October 2023. Cover for damage to any equipment and apparatus attached to or within the vehicle, including built-in entertainment, multimedia audio or satellite navigation equipment. Covers $5,000 for any one event. Excludes mobile phones.)
  • Tools of trade
  • Cover for tools of trade, trade stock or materials if they’re stolen (by forcible and violent entry to your securely locked vehicle) or damaged in a collision. Covers $1,000 for each event.
  •  
  • Removal of basic excess for windscreen claims
  • If the windscreen or window glass in your vehicle is accidentally broken, we won’t apply an excess to your claim. Cover applies if the fracture extends through the entire thickness of the glass, or through all layers of the windscreen if laminated. 

    The broken windscreen or window glass must be the only damage to your vehicle. Cover applies to the following vehicles: sedan, station wagon, four-wheel drive, panel van, utility or goods carrying vehicles under a specified gross vehicle mass.
  • Towing
  • $5,000 cover for costs to protect, remove and tow your vehicle following an accident or theft.

    Note: The towing benefit only covers the removal and towing of your vehicle to the nearest repairer, place of safety or any other place which we agree to.
  • Optional benefit: hire costs following an accident
  • Where selected, we’ll pay the costs of a hire vehicle following an accident for either up to 42 days (if we arrange the rental) or up to a maximum of $3,000 (if we’re unable to arrange a rental).

    Additional charges incurred, other than the daily rental rate, for any such rental are excluded. Cover applies to the following vehicles: sedan, station wagon, four-wheel drive, panel van or utility.
WHAT'S NOT COVERED
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

Fire and Theft cover

Cover for damage to another person’s vehicle or property, plus insurance against fire and theft of up to the lesser of the market value of your vehicle or $5,000.
  • Loss or damage to your vehicle
  • Covers the cost of replacing or repairing your vehicle following specified events: fire, lightning, explosion, theft or illegal conversion or damage as a result of an accident caused by an uninsured third party. Up to the lesser of the market value of your vehicle or $5,000.
  • Damage to third-party property
  • Covers what you’re legally liable to pay (up to $30 million) as compensation for loss or damage to someone else’s property caused by a motor vehicle accident with your vehicle. However, if legal liability to pay arises whilst dangerous goods are being transported, cover is limited up to $5 million.
WHAT'S NOT COVERED
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

Third Party Property Damage cover

Cover for accidental loss or damage to other people’s property caused by an accident which is partly or fully your fault.
  • Damage to third-party property
  • Covers what you’re legally liable to pay (up to $30 million) as compensation for loss or damage to someone else’s property caused by a motor vehicle accident with your vehicle. Conditions: If a loss arises when dangerous goods are being transported, cover is limited up to $5 million.
  • Uninsured motorists
  • Provides $10,000 cover for standalone Commercial Motor policies ($5,000 for Commercial Vehicle cover within packaged policies)1 less any applicable excesses for damage to your vehicle caused by an accident with another vehicle that’s uninsured and its driver is at fault.
  • Cover will apply if you can tell us the name and contact details of the third party responsible for the accident, the registration number of the other vehicle or any other information that would reasonably allow us to identify the person.
WHAT'S NOT COVERED
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

What’s not covered

Coverage is as set out in the terms of the Product Disclosure Statement (PDS), Policy Wording and Schedule. In addition, there are general and specific exclusions. The following are only some of the exclusions of cover:
  • Pre-existing damage

    The cost of repairing damage that has already been caused to your vehicle.
  • If you haven’t disclosed certain information

    Your claim may be denied (in whole or in part) if there’s non-disclosure of claims or driving history.
  • Impaired drivers

    Damage, loss or injury if the driver is impaired by or under the influence of any drug or alcohol.
  • Already-covered legal liability claims

    Legal liability claims against you for death or bodily injury that’s covered in any way by any statutory or compulsory insurance or compensation scheme or fund.
What Comprehensive covers
What Fire and Theft covers
What Third Party Property Damage covers
Need help? Call 1300 131 000 and speak to our team of Australian-based Business Insurance specialists.

This is a limited summary of some of our Commercial Motor Vehicle Insurance covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) and Target Market Determination (TMD) for this insurance which are available on this website.

Do you need Commercial Motor Vehicle Insurance?

If you use vehicles as part of your everyday business operations, business vehicle insurance can help cover the costs incurred due to an accident involving, or theft of, your vehicle.

Our Commercial Motor Vehicle Insurance may be beneficial if your business carries out the following activities:

  • Client visits
  • Mobile business
  • Delivering products or materials in connection with your business activities
  • Transportation of equipment for business use

Compare Commercial Vehicle Insurance

Still unsure which type of Commercial Vehicle Insurance is right for your business? Compare our three levels of cover.

Swipe to view more

Comprehensive cover

Fire and Theft cover

Third Party Property Damage cover

Loss or damage to your vehicle

Events: accidental damage including damage caused by fire, hail, flood, storm, earthquake; or theft, or malicious damage

Market value or sum insured, whichever is the lesser; or agreed value

Events: fire, lightning, explosion, theft or illegal conversion or damage as a result of an accident caused by an uninsured third party

Up to the lesser of market value or $5,000

See Damage by uninsured motorists

 

Damage to third-party property
Up to $30 million (not involving carriage of dangerous goods)
Up to $30 million (not involving carriage of dangerous goods)
Up to $30 million (not involving carriage of dangerous goods)
Up to $5 million (involving carriage of dangerous goods)
Up to $5 million (involving carriage of dangerous goods)
Up to $5 million (involving carriage of dangerous goods
New vehicle replacement
Damage by uninsured motorists
Up to the insured sum
Up to $10,000 cover for standalone Commercial Motor policies and $5,000 for Commercial Vehicle cover within packaged policies.
Up to $10,000 cover for standalone Commercial Motor policies and $5,000 for Commercial Vehicle cover within packaged policies.
Hire costs following fire and theft
Up to $3,000 per vehicle
Emergency vehicle hire
Up to $100 per day for up to two consecutive days
Personal property
$1,000 for any one accident or theft event
Accessories for policies effective on or after 28 October 2023
Accessories are automatically included in the Market Value option. For the Agreed Value, include the value in the vehicle sum insured.
Accessories are automatically included in the Market Value option. For the Agreed Value, include the value in the vehicle sum insured.
(Unspecified accessories for policies effective on or before 27 October 2023.)
$5,000 for any one event
Tools of trade
$1,000 for each event
Choice of Repairer
You have the choice of repairer. Please refer to your PDS for details about choice of repairer.
You have the choice of repairer. Please refer to your PDS for details about choice of repairer.
You have the choice of repairer. Please refer to your PDS for details about choice of repairer.
Removal of basic excess for windscreen claims
Towing
$5,000
Optional benefit: hire costs following an accident
Up to 42 days or $3,000 per vehicle
These policy benefits are based on the purchase of Commercial Vehicle cover as part of our Business Insurance Pack. For a standalone Commercial Motor policy, call our team of Australian-based Business specialists on 1300 131 000.
This is a limited summary of some of our Commercial Motor Vehicle Insurance covers only. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS)/Policy Wording, Supplementary PDS (where applicable) and Target Market Determination (TMD) for this insurance which are available on this website.

Why choose us?

Instant Certificate of Currency

Your proof of insurance, Certificate of Currency (COC), will be emailed to you instantly after purchase

Pay monthly at no extra charge2

You can pay monthly or annually at no extra charge to suit you and your cash flow.

Australian-based Business specialists

Our experts can help you arrange your Business Insurance. Call 1300 131 000 to speak to a Business specialist now.

Award-winning claims team3

Lodge a claim online 24/7 or find a number for your claims category to lodge a claim over the phone.

Ready to get started?

Prefer to speak with a consultant?
Call 1300 131 000

Frequently asked questions

There are many variable factors that go into determining the price for Commercial Vehicle Insurance, including (but not limited to):

  • Where the vehicle’s located
  • Driving history and experience
  • Claims and accident history
  • Type of vehicle and its conditions, and accessories and modifications
  • Type and amount of cover required and excesses

There are two ways to get Commercial Vehicle Insurance4:

  1. Through our Business Insurance Pack policy designed to be your one-stop-shop for common business insurance risks, or
  2. A standalone Commercial Motor Insurance policy

The Business Insurance Pack offers a range of small business insurances, allowing you to choose the covers that suit your business needs. In order to buy Commercial Vehicle Cover as part of our Business Insurance Pack, you must buy Public and Products Liability Insurance or Commercial Property Insurance and add on Commercial Vehicle Cover.

Get a quote for up to two commercial vehicles online now. For standalone Commercial Motor Insurance for up to 20 vehicles, call our team of Australian-based Business specialists on 1300 131 000.

You can buy Commercial Vehicle Insurance for a wide range of vehicles including: sedans, wagons, utes, 4WDs and goods-carrying vehicles up to 2, 5 and 10 tonnes, trailers, mobile and earth-moving equipment. Acceptance criteria apply.

Vehicles we don’t cover under the policy include (but are not limited to):

  • Taxis and former taxis
  • Driving instructor vehicles
  • Ambulances and fire brigade vehicles
  • Vehicles carting asbestos
  • Motorcycles
  • Grey imports (vehicles that have been imported into Australia by someone other than the vehicle’s manufacturer or their approved distributor)
  • Mining machinery and vehicles working underground
  • Hire vehicles
  • Security company vehicles
  • Couriers and taxi trucks
  • Mobile cranes and hook risks
  • Long haulage vehicles
  • Heavy vehicles with drivers aged under 25 years
  • Vehicles that are over 30 years old (unless under Third Party Property Damage cover) 
  • Vehicles used for carrying passengers for hire or reward e.g. buses, ride share.

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*Conditions apply

  1. Uninsured motorists
    Cover up to $10,000 is only applicable to a standalone Commercial Motor policy. A limit of $5,000 applies to the equivalent benefit in the Commercial Vehicle section of the Business Insurance Pack. 
  2. Pay by the month (Payment instalments)
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
  3. Awards
    IBA General Insurer Claims Team of the Year in 2021.
  4. Commercial Vehicle Insurance
    Commercial Vehicle cover is only available to buy under the Business Insurance Pack if you also buy Public and Products Liability Insurance or Commercial Property Insurance under the same policy.

    If you don’t need Public and Products Liability insurance, we offer a standalone Commercial Motor Insurance policy that you can consider instead. For a standalone Commercial Motor Insurance policy, call our team of Australian-based Business specialists on 1300 131 000.

 

 

Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.



Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered, and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered. Each entity is responsible for any statements and representations made about its products, on this website.