What is Commercial Vehicle Insurance?

Commercial Motor 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.

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Quick Quote

You can buy Commercial Motor Insurance cover in two simple ways:
  1. Call us to cover up to 20 vehicles on 1300 131 000

  2. Buy Online as a part of the Small Business Advantage Pack. Select your Public and Products Liability cover and add Commercial Motor Insurance for up to 2 Commercial Vehicles to your policy

Choose from 3 levels of cover to suit your business needs: Comprehensive, Fire and Theft, or Third Party Property Damage only.

What does Comprehensive Commercial Motor Insurance cover?

Comprehensive Motor Insurance cover includes*:

  1. Damage to your vehicle and third party damage
  2. Fire and Theft
  3. Signwriting
  4. New Vehicle Replacement if a total loss occurs <2 years from first registration date
  5. Finance payout following a total loss for leased or financed vehicles

*Conditions apply

Types of Cover Available

With years of experience in Commercial Motor Insurance, Allianz offers a range of products to help you select the cover you need. Choose from 3 levels of insurance cover to suit your business:

Cover benefits Comprehensive cover Fire & Theft cover Third Party Property Damage cover
Loss or damage to your vehicle
Covers the cost of replacing or repairing your vehicle following specified events:
Events: Accidental damage including damage caused by fire, hail, flood, storm, earthquake, theft or malicious damage.

Up to the sum insured.
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.
Third Party Property Damage
Cover for amounts which you become legally liable to pay as compensation in respect of loss or damage to someone else’s property caused by a motor vehicle accident with your vehicle.
New Vehicle Replacement
We may replace your vehicle with a new one, if your vehicle is declared to be a total loss within two years of its first registration date.
Uninsured Motorists
Damage to your vehicle caused by an accident with another vehicle that is uninsured and its driver is at fault.
Hire Car Costs
Following fire or theft, we will assist you in paying the cost of a hire vehicle until your vehicle is recovered or repaired.
Emergency Car Hire
In the event your vehicle is damaged in an accident or by an attempted theft and cannot be driven, we will pay you the cost of a hire vehicle.
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.
Additional Accessories
Cover for damage to any equipment and apparatus attached to or within the vehicle, including built in entertainment or multimedia audio or satellite navigation equipment.
Tools of Trade
Cover for tools of trade, trade Stock or materials that are stolen via forcible and violent entry to Your securely locked Vehicle or damaged in a collision.
Sign Writing
Loss of or Damage to fixed advertising or material forming a permanent part of Your Vehicle
Removal of basic excess for windscreen claims
If the windscreen or window glass in your vehicle is accidentally broken we will not apply an excess to Your claim.
Cover for costs to protect, remove and tow your vehicle following an accident or theft.
Optional Benefit: Hire Car costs following an accident
Where selected, we will pay the costs of a hire car following an accident for either up to 42 days or up to maximum of $3,000.

Fast, Simple & Convenient

Instant Insurance Certificate

Your proof of insurance (Certificate of Currency) will be emailed instantly after purchase.

Pay By the Month, with no extra charge

Enjoy paying monthly and at no extra cost.

Specialist Business Experts

Our experts can help to arrange your business insurance.

Call 1300 131 000 to talk to a business specialist.

Claims – we have your back

When misfortune strikes, Allianz is there for you.

Lodge a claim by phone 24/7.

Frequently Asked Questions

If you use vehicles as part of your everyday business operations, then Commercial Motor Insurance can help protect you from the costs incurred due to an accident involving, or theft of, your vehicle.

Commercial Motor 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

You can buy Commercial Motor 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.*.

  • Comprehensive – Cover for damage or loss to your vehicle and damage it causes to other people’s property, when you are partly or fully at fault of an accident.
  • Fire and Theft – Cover for damage to another person's vehicle or property, plus fire and theft protection for your vehicle up to $5,000.
  • Third Party Property Damage only – Cover for accidental loss or damage to other people’s property caused by an accident which is partly or fully your fault.

*Conditions apply

There are many variable factors that go into determining the price for Commercial Motor Insurance including:

  • Where the vehicle is 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

This is a summary of some policy exclusions only. Please read the PDS for full details of exclusions that apply.
Some exclusions apply such as:

  • The cost of repairing pre-existing damage
  • Your claim may be denied (in whole or in part) if there is non-disclosure of claims or driving history
  • Damage, loss or injury if the driver is impaired by or under the influence of any drug or alcohol
  • Legal liability claims against you for death or bodily injury that is covered in any way by any statutory or compulsory insurance or compensation scheme or fund

Vehicles that we do NOT cover under the policy include:

  • Taxis/ former taxis
  • Driving instructor vehicles
  • Ambulances/ fire brigade vehicles
  • Vehicles carting asbestos
  • Motorcycles
  • Grey imports (products that you buy from a seller who does not have specific permission from the manufacturer.)
  • 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
  • Harvesters – these are covered by our Farm Pack insurance
  • Vehicles used for carrying passengers for hire or reward e.g. buses.

*Conditions apply

There are two ways to get Commercial Motor Insurance:

  1. Through our Small Business Advantage Pack policy designed to be your one-stop-shop for common business insurance risks; or
  2. A standalone Commercial Motor Insurance policy.
The Small Business Advantage Pack offers a range of small business insurances, allowing you choose the covers that suit your business needs. Begin with purchasing Public and Products Liability insurance with a Small Business Advantage Pack and add on Commercial Motor Insurance. Get a quote for up to two commercial vehicles online now.

For standalone Commercial Motor Vehicle insurance cover for up to 20 vehicles, please call our team of specialists on 1300 131 000.