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.