Commercial Vehicle Insurance

Your choice of Comprehensive, Third Party (including fire and theft) or Third Party Only cover.

Why would I need Commercial Vehicle Insurance?

Damage to or destruction of a company vehicle can present a host of expenses and logistical problems. Whatever the cause, owners need a quick and easy resolution. 

Commercial Vehicles icon


What does this mean for your industry?

What's covered?

  • Road clearing/load recovery after an accident
  • Employee vehicles and personal effects if used for business whilst uninsured
  • Mechanical breakdown or failure of hoists (up to $5,000)
  • Theft of or damage to your trailer if it's uninsured (up to $2,000)
  • Vehicle accessories and parts whilst stored at your home or work premises
  • Windscreens and windows (no excess or increase in your premium)
  • Damage to other people's vehicles or property
  • No excess or increase in your premium if hit by an uninsured third party in certain circumstances
  • Vehicle signwriting or artwork replacement (up to $3,000)
  • Reparations to other people for causing bodily injury or death
  • Rental vehicles following the theft of your vehicle

What's not covered?

  • Mechanical, electrical or electronic breakdown or failure to operate
  • Defects in design or specification of the vehicle or its materials
  • Deliberate damage by you
  • Wear and tear, rust, depreciation, etc.
  • Theft by a prospective purchaser of the vehicle
  • Intentional or reckless behaviour by you or the driver
  • Drink driving
  • Fines and penalties
  • Overloaded or unsafe vehicles

These lists highlight some of the inclusions and exclusions in this policy. For full details of all inclusions and exclusions, see the policy document.

Commercial Vehicle Insurance in action

A worker beside an overturned ute



Kyle wrote off his Ford Ranger on the way to a job. The ute was loaded with tarp, ropes, and a hot water cylinder, plus some aqualine gib he'd agreed to carry for the builder. Under his comprehensive Commercial Vehicles policy, Kyle's ute was covered for the agreed value, including the cost of repairing the signwriting on the sides of the vehicle. The tarp and ropes were automatically covered, as well as the hot water cylinder; however, the gib could not be claimed for, as it did not belong to Kyle.

Two collided vehicles with an injured person inside one



Craig's employee was at fault in a head-on accident while driving the delivery van; the uninsured other driver, in a smaller, lighter car, was badly injured. The injured driver took almost a year to get back to work; ACC paid 80% of his lost salary, leaving him out of pocket. The employee was convicted for careless use of a vehicle causing injury, and was ordered to pay reparation to the victim of the 20% of lost income not covered by ACC. Craig's Commercial Vehicle Insurance paid for the repairs to the work van and the cost of writing off the other driver's car. It also covered the reparations awarded to the injured driver.

A police officer interviewing a driver of a crashed vehicle


Casting Agent

Sandra's assistant Josh had a major accident in the company car just after lunch one Friday. Unknown to Sandra, Josh had been at the pub, and when police arrived at the scene he blew over the limit and was charged with driving with excess breath alcohol. Drunk driving accidents are usually declined by insurers, but because Sandra didn't know about her employee's drinking, she wasn't held responsible for it, and her claim for damage to the company car was covered. However, AA Small Business recovered the cost of repairs from Josh, who was also required to pay the other driver's costs.

These fictional scenarios were created to illustrate the benefits of Commercial Vehicle Insurance. All claims are subject to the terms and conditions in the policy document.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231