Commercial Motor Insurance
Your vehicles keep your business moving. Commercial motor insurance can help protect your business vehicles against accidental damage, theft and liability to others.
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1200+
Businesses covered
250+
Referral partners
98%
Retention rate
What is Commercial Motor Insurance?
Commercial motor insurance is designed for vehicles used in connection with a business. Depending on the cover selected, it can provide protection for accidental damage, theft and certain liability for damage caused to other people's property.
Business vehicles can be used very differently from private vehicles. They may travel greater distances, carry tools or equipment, visit worksites or be driven by multiple employees.
Surety Risk Solutions takes the time to understand your vehicles, how they are used, who drives them and where they operate before helping you arrange appropriate commercial motor cover.
Protection to Keep Your Business Moving
A damaged or stolen vehicle can affect more than your ability to get from one place to another. The right commercial motor insurance can help protect an important part of your business operations.
Accidental Damage
Comprehensive commercial motor insurance can provide cover for accidental loss or damage to an insured business vehicle, subject to the terms of the policy.
Theft
Cover can provide protection if an insured business vehicle is stolen or damaged as a result of an attempted theft.
Third Party Property Damage
Protection against certain legal liabilities for damage caused by an insured vehicle to another person's vehicle or property.
Additional Benefits
Depending on the policy, additional benefits may be available for items such as towing, hire vehicles, windscreens and other costs following an insured event.
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Commercial Motor Cover for Businesses on the Move
From a single work ute to specialised commercial vehicles, businesses rely on vehicles in very different ways. Understanding their use is an important part of arranging the right insurance.
Trades & Contractors
For tradespeople and contractors using utes, vans and other vehicles to travel between jobs, carry equipment and attend worksites.
Service Businesses
For businesses whose employees use vehicles to visit customers, deliver services or travel between locations.
Delivery & Distribution Businesses
For businesses using vehicles to transport or deliver goods as part of their day-to-day operations.
Specialised Commercial Vehicles
For businesses operating modified or specialised vehicles that may require insurance tailored to their particular use and equipment.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.
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A Straightforward Way to Arrange Commercial Motor Insurance
Commercial motor insurance should reflect how your vehicles are actually used. We gather the information insurers need and help you understand the options available.
01. Understand Your Vehicles
We start with your vehicle details, values and any modifications, accessories or specialised equipment that need to be considered.
02. Understand How They're Used
We look at who drives the vehicles, where they operate, their business use, garaging and other factors that can affect the risk.
03. Approach the Insurance Market
Surety Risk Solutions approaches suitable insurers and underwriting agencies and considers available cover, excesses, conditions and additional benefits.
04. Explain Your Options
We explain the available terms and important differences between options so you can make an informed decision about your commercial motor insurance.
Why Surety Risk Solutions?
A business vehicle isn't always just a car with a company name on the side. We take the time to understand how your vehicles contribute to your business and what happens if one is suddenly unavailable.
We Understand Business Use
How a vehicle is used can significantly affect the insurance required. We make sure insurers have a clear understanding of your business activities and vehicle use.
Access to Commercial Motor Markets
We work with insurers and underwriting agencies offering commercial motor solutions for a range of business vehicles and occupations.
We Look Beyond the Premium
Excesses, driver restrictions, vehicle values and additional benefits can all affect the value of a policy. We help you understand the differences between the available options.
Support When Something Goes Wrong
If you need to make a claim, we can help you understand the process, communicate with the insurer and work with you as the claim progresses.
Your Questions, Answered
Understanding your insurance options can feel complex. Explore answers to some frequently asked questions about cover, costs and what to expect when arranging insurance with Surety Risk Solutions.
What is commercial motor insurance?
Commercial motor insurance covers vehicles used for business purposes. Depending on the policy selected, it can provide cover for accidental damage, theft and liability for damage caused to other people's property.
What does commercial motor insurance cover?
Comprehensive commercial motor insurance generally provides cover for accidental damage or theft of an insured vehicle and certain liability to third parties. Additional benefits vary between insurers and policies.
What is the difference between commercial motor and personal car insurance?
Commercial motor insurance is designed for vehicles used in connection with a business. Business use can create different risks from private driving, so it's important that the insurer understands how and where the vehicle is being used.
Can employees drive vehicles insured under a commercial motor policy?
Generally, commercial motor policies can allow employees and other authorised drivers to use insured vehicles, subject to the policy terms. Driver age, licence history and other factors may affect cover or the excess payable.
Can commercial motor insurance cover tools and equipment carried in a vehicle?
Some policies provide limited cover for certain items carried in a vehicle, but tools and equipment may require separate insurance. If you regularly carry valuable equipment, tell your broker so appropriate cover can be considered.
Are trailers covered by commercial motor insurance?
Trailers can often be insured, but they may need to be specifically listed or separately covered. The requirements vary depending on the type and value of the trailer and how it is used.
Can I insure a vehicle used for both business and private purposes?
Often, yes. The important thing is accurately describing how the vehicle is used so the insurer can assess the risk and offer appropriate cover.
Still have questions?
Every situation is different, and you may need guidance specific to your circumstances. Speak with Surety Risk Solutions for clear, practical answers and help exploring suitable insurance options.
Let's Start the Conversation.
Whether you're a business looking for commercial insurance or an adviser looking to broaden what you offer, the first step is the same. Tell us a little about the situation and we'll put you with the right specialist.