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Commercial Motor & Fleet Insurance for Business Vehicles

Specialist insurance designed to protect business-owned vehicles, fleets and third-party liabilities when accidents, theft or damage occur.

  • Cover for business-use vehicles and fleets of all sizes
  • Comprehensive, third-party fire & theft or third-party only options
  • Fleet policies available for multiple vehicles
  • Designed for high-use, commercial driving exposures
Get My Commercial Motor Quote

Request a Commercial Motor & Fleet Quote

No obligation. Cover structured for how your vehicles are actually used.

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Australian insurance brokers
Cover structured for commercial vehicle risk
Access to leading commercial motor insurers
Understanding Your Cover

What Is Motor (Commercial & Fleet) Insurance?

Commercial Motor & Motor Fleet Insurance is designed to protect vehicles used primarily for business purposes, along with associated third-party liabilities and losses following accidents, theft or damage.

Unlike personal motor insurance, commercial motor insurance recognises the increased exposure created by business usage, higher annual kilometres, multiple drivers and contractual obligations. Whether you operate a single vehicle or a large fleet, this cover helps keep your business moving when the unexpected occurs.

Is This For You?

Who Motor (Commercial & Fleet) Insurance Is For

Commercial Motor & Motor Fleet Insurance is commonly arranged by:

Small to medium businesses (SMEs)
Trades and contracting businesses
Service and maintenance companies
Transport and logistics operators
Sales teams and mobile professionals
Fleet operators (cars, vans, utes, trucks)
Couriers and delivery businesses
Employers providing vehicles to staff
Note: Any business that owns, leases or regularly uses vehicles for work should consider commercial motor insurance essential.
Cover Options

What Does Motor (Commercial & Fleet) Insurance Typically Cover?

Comprehensive Motor Cover

Covers accidental damage to insured vehicles, theft, fire and malicious damage, as well as third-party property damage.

Third-Party Property Damage

Covers damage caused to other people’s property, with optional fire and theft cover for the insured vehicle.

Legal Liability

Covers legal costs and compensation arising from third-party property damage caused by vehicle use.

Vehicle Recovery & Towing

Covers reasonable towing and recovery costs following an insured incident.

Beyond the Basics

Additional Covers & Policy Extensions

Policy Options

How Motor (Commercial & Fleet) Insurance Is Structured

1

Policy Structure

Commercial Motor & Fleet Insurance can be arranged as individual vehicle policies or consolidated fleet programs, depending on fleet size and operational complexity. Terms are structured around vehicle types, usage, driver profiles, and claims history.

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Key Features

Available as single or multi-vehicle policies, with fleet programs typically suited to 15+ vehicles. Cover can be written on an agreed or market value basis, with adjustable schedules to add or remove vehicles during the policy period.

Why It Matters

Key fleet extensions available

Motor accidents are a common cause of business disruption

Repair and replacement costs can be substantial

Third-party damage claims can escalate quickly

Keeps employees mobile and services uninterrupted

Often required by contracts, financiers or lease agreements

Keep Your Vehicles and Business Moving

Speak with a broker who understands commercial vehicle risk.

Get My Commercial Motor Quote

Important: Commercial Motor & Motor Fleet Insurance does not automatically cover personal use outside declared business activities, unlicensed or undisclosed drivers, overloading, improper use or mechanical failure. Wear and tear is excluded. Disclosure of vehicle usage, driver history and modifications is critical. Coverage and policy terms vary significantly between insurers. Advice from a Seguro insurance broker is recommended.

FAQ's

Commercial motor insurance covers vehicles used primarily for business purposes, including damage to your vehicles and third-party property.
Commercial motor insurance accounts for higher usage, multiple drivers and business activities that personal motor policies often exclude.
Fleet policies are typically suitable for businesses operating around 15 or more vehicles, offering simplified administration and pricing.
Yes. Policies can include named, open or unnamed driver options, subject to underwriting.
Tools of trade and equipment can often be covered as an optional extension.
Modifications and signwriting can be covered if disclosed and accepted by the insurer.
If you need to make a claim, contact Seguro Insurance Brokers directly. Our team will guide you through the claims process, help you gather the required documentation and liaise with the insurer on your behalf to ensure your claim is handled efficiently.
Some policies include loss of use or hire vehicle benefits to minimise disruption.
Trailer cover may need to be specified depending on value and usage.
While not legally mandated, it is often required by contracts, financiers and lease agreements.
A broker ensures correct disclosure of usage, drivers and modifications, and structures cover to avoid costly gaps.
Get My Commercial Motor Quote