COMMERCIAL MOTOR INSURANCE AUSTRALIA
Keep Your Business Moving.
Protect Every Journey.
Tailored commercial motor insurance for cars, utes, vans, trucks, trailers and mobile machinery used by Australian businesses.
- Cover for one business vehicle or a mixed fleet
- Comprehensive, fire and theft or third-party options
- Support with repairs, towing, hire vehicles and claims
Request an insurance quote
Our Clients Say
Trusted by Businesses Australia-Wide
Single Vehicle or Fleet
One Program, Less Administration
Flexible Cover
Comprehensive or Liability Options
Claims Support
Help to Reduce Vehicle Downtime
Australian Owned
Brokers Who Understand Business
ABOUT COMMERCIAL MOTOR INSURANCE
Built for Business.
Ready for the Road.
Commercial motor insurance protects vehicles used in your business against selected risks such as accidental damage, theft, fire and legal liability for damage caused to other people’s vehicles or property. ABS Insurance Brokers can help arrange cover for a single work vehicle or a mixed fleet, with agreed value or market value options and policy benefits selected to suit how your vehicles are used.
- Cars, utes, 4WDs, vans and light or medium trucks
- Trailers, earthmoving equipment and mobile machinery
- Trades, delivery, service, transport and business-use vehicles
- Optional benefits tailored to vehicle type and commercial use
WHAT'S COVERED
Commercial Motor Cover for the Vehicles That Keep Your Business Moving
Accidental Damage & Total Loss
May cover repairs after accidental damage or settlement if the insured vehicle is written off, based on the agreed or market value selected.
Theft, Fire & Malicious Damage
Protection may apply if a business vehicle is stolen, damaged by fire, maliciously damaged or affected by another insured event.
Third-Party Property Liability
Covers your legal liability for damage an insured vehicle causes to another person's vehicle or property, subject to policy limits.
Towing, Recovery & Emergency Repairs
Policies may include reasonable towing, storage, recovery or emergency repair costs when a vehicle cannot be safely driven.
Hire Vehicle & Downtime Options
Optional hire vehicle benefits following theft or an accident can help your people stay mobile while repairs are completed.
New Vehicle, Finance & Extras
Depending on the policy, benefits may include new vehicle replacement, finance-gap support, windscreens, keys and automatic cover for replacement vehicles.
WHY CHOOSE ABS
Why Australian Businesses Choose ABS
Commercial Motor Expertise
We assess vehicle types, business use, drivers, routes and operating risks.
Tailored Policy Structure
Cover for a single vehicle, growing fleet or mixed commercial fleet.
Specialist Market Access
We compare suitable commercial motor insurers and policy options.
Claims & Repair Support
Broker assistance with towing, assessors, repairers and hire vehicles.
Australian Owned
Personal service for businesses operating across Australia.
Let's Keep Your Business Moving
Talk to ABS about commercial motor insurance for your work vehicle or business fleet.
FREQUENTLY ASKED QUESTIONS
What does commercial motor insurance cover?
Commercial motor insurance can cover accidental damage to your insured vehicle, theft, fire and legal liability for damage caused to another person’s vehicle or property. Depending on the policy, benefits may also include towing, emergency repairs, hire vehicles, windscreens, replacement keys, new vehicle replacement, finance-gap support and automatic temporary cover for replacement vehicles.
What types of commercial vehicles can be insured?
Eligible vehicles can include business cars, utes, 4WDs, vans, light and medium trucks, trailers and certain mobile plant or earthmoving equipment. Cover may be available for a single vehicle or a mixed fleet. Acceptance depends on the vehicle type, carrying capacity, business activity, radius of operation, driver profile and how the vehicle is used.
How is commercial motor insurance different from personal car insurance?
Personal car policies may restrict or exclude regular commercial use, goods carrying, tools, deliveries or particular occupations. Commercial motor insurance is designed for vehicles used as part of a business and can address commercial drivers, vehicle modifications, payloads, signwriting, accessories and fleet administration. Always disclose the complete business use of each vehicle to your broker.
Can I insure one work vehicle and a larger fleet?
Yes. Commercial motor insurance can be arranged for one work vehicle, several vehicles or a mixed fleet of cars, utes, vans, trucks, trailers and selected mobile machinery. Fleet policies can simplify renewals, claims and vehicle changes under one program. The most suitable structure depends on the number, type and value of vehicles and your claims history.
What is usually not covered by commercial motor insurance?
Common exclusions include driving by an unlicensed person, driving under the influence of alcohol or drugs, deliberate damage, undeclared or prohibited vehicle use, normal wear and tear, mechanical breakdown and motorsport or time trials. Tools, stock and goods carried in the vehicle are not automatically covered and may require separate general property or transit insurance. Policy terms vary between insurers.