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Commercial Motor Vehicle Insurance

Help keep your business vehicle on the road
Whether it’s a van, sedan or ute, make sure you’re covered with business car insurance when things don’t go to plan
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 two 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 of 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).

    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.
  • 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.

    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.
  • Unspecified accessories
  • 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.
  • Sign writing
  • Loss of or damage to fixed advertising or material forming a permanent part of your vehicle. Covers $5,000 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.
  • 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 Business Insurance specialists.

Fire and Theft cover

Cover for damage to another person’s vehicle or property, plus fire and theft protection 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. If a loss arises when 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 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 $5,000 cover 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 Business Insurance specialists.

  • 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 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) & PDS update (privacy notice) 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 protect you from 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 $5,000

See Damage by uninsured motorists

 

Damage to third-party property
Up to $30 million
Up to $30 million
Up to $30 million
New vehicle replacement
Damage by uninsured motorists
Up to the insured sum
Up to $5,000
Up to $5,000
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
Unspecified accessories
$5,000 for any one event
Tools of trade
$1,000 for each event
Sign writing
$5,000 for each event
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 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) & PDS update (privacy notice) 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 instantly after purchase

Pay monthly at no extra charge1

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

Specialist Business experts

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

Excellence in claims

Make 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:

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

There are two ways to get Commercial Vehicle Insurance2:

  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 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 two, five and 10 tonnes, trailers, mobile and earth-moving equipment. Acceptance criteria apply.

Vehicles that we don’t cover under the policy include:

  • Taxis/ former taxis
  • Driving instructor vehicles
  • Ambulances/ 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/vehicles working underground
  • Hire vehicles
  • Security company vehicles
  • Couriers/taxi trucks
  • Mobile cranes/ 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. Payment by instalments
    Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.

  2. 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 policy, call our team of specialists on 1300 131 000.

 

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, please 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.

Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.

Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.