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Commercial Motor & Fleet Insurance for Australian Businesses

Commercial motor and fleet insurance helps protect vehicles used for business purposes, including cars, utes, vans, and trucks. Whether you operate a single vehicle or manage a fleet, the right cover can help protect your business from unexpected repair costs, liability claims, and vehicle downtime.

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What is Commercial Motor & Fleet Insurance?

Commercial motor insurance covers vehicles used primarily for business purposes, including vehicles owned, leased, or hired by the business.

Fleet insurance is designed for businesses operating multiple vehicles under one policy, helping simplify administration and ensure consistent cover across the fleet.

How Many Vehicles Are Considered a Fleet?

Fleet insurance typically applies when a business operates three or more vehicles, although this can vary by insurer.

Fleet policies can offer:

Simplified administration

Consistent cover terms

Easier additions or removals of vehicles

What Does Commercial Motor & Fleet Insurance Cover?

Comprehensive protection for the most common risks professionals face in their daily operations.

Accidental Vehicle Damage

Covers accidental damage to insured business vehicles.

Third-Party Liability

Provides cover for damage to third-party property and legal liability arising from vehicle use.

Fire & Theft

Covers loss or damage to vehicles caused by fire or theft.

Windscreen & Glass Damage

Covers repair or replacement of damaged windscreens and vehicle glass.

Towing & Recovery Costs

Covers towing and recovery expenses following an insured event.

Hire Car Cover (Optional)

Provides access to a hire vehicle while an insured vehicle is being repaired or replaced.

What is generally not covered?

Like all insurance policies, commercial motor and fleet insurance has exclusions. It's important to understand what falls outside the policy.

Wear and tear or mechanical failure
Driving under the influence of drugs or alcohol
Unauthorised or undisclosed drivers

Vehicles used outside the declared business activities
Deliberate or reckless acts

Who Needs Commercial Motor & Fleet Insurance?

This insurance is commonly required by:

Tradies and contractors using utes or vans

Delivery and courier businesses

Hospitality businesses with delivery vehicles

Property maintenance and facilities businesses

Businesses operating multiple vehicles

How Much Cover Do You Need?

Choose a limit of indemnity that matches your risk exposure and contract requirements.aThe level of commercial motor and fleet insurance you need depends on the type and value of your vehicles, how they are used, the number of drivers, and your business activities, with businesses typically choosing between comprehensive cover, third party fire and theft, or third party property damage depending on their risk profile.

Market value or agreed value per vehicle

Standard Entry Level

Standard for comprehensive policies covering the full value of each vehicle.

Insurance Solutions You Can trust

We bridge the gap between complex risk and simple protection. Your business deserves an advocate, not just a policy.

We Work for You

We act solely in your best interest, providing independent advice and advocating for fair outcomes when it matters most.

SME Specialists

Small businesses are our focus. We understand your growth stages and tailor insurance solutions that truly fit.

Expert Claims Support

You’re not alone. Our team provides hands-on guidance to navigate the process and achieve the best possible outcome.

Simple & Efficient

No jargon, no hidden surprises. We make insurance easy to understand and efficient, saving you time.

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People Insured

12+

Years Experience

Trusted Partners

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Satisfaction Rating

Frequently Asked Questions

Yes, policies can cover named drivers or authorised drivers, depending on policy terms.

Not automatically. Tools or goods usually require separate cover.

Yes, fleet policies often allow changes throughout the year.

Important Information GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.  

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. ‍ 

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au

Insurance Solutions You Can trust

Can multiple drivers be covered?

Are tools or goods in vehicles covered?

Can vehicles be added or removed during the policy period?