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Insurance Details
Commercial Motor Insurance is designed to protect businesses against financial loss arising from the use of vehicles for business purposes.
It provides financial protection for damage to insured vehicles, third-party property damage, theft, fire, and legal liability, helping businesses manage the risks associated with operating cars, vans, utilities, trucks, and commercial fleets.
Whether your business operates a single work vehicle or a large fleet, Commercial Motor Insurance is a fundamental protection for Australian businesses that rely on vehicles to deliver goods, services, or operations.
Cover Sections / Benefits Covered
Q&A – Common Questions
Commercial Motor Insurance is designed for vehicles used primarily for business purposes, including carrying tools, goods, or passengers for work.
Personal Motor Insurance may not adequately cover business use, especially for trades, deliveries, or multiple drivers.
Yes. Commercial Motor Insurance can be structured to cover named drivers or open driver policies, subject to age and licence conditions.
Some policies provide limited cover for tools and accessories, but higher values are usually insured under General Property or Tools Insurance.
Yes. Businesses operating multiple vehicles may benefit from fleet insurance, offering simplified administration, consistent cover, and potential cost efficiencies.
Commercial Motor policies vary significantly in driver conditions, vehicle use definitions, claims handling, and exclusions.
As your broker, FRS helps you:
• Correctly define business use and driver profiles
• Structure appropriate excesses and cover options
• Assess fleet vs individual policy suitability
• Coordinate claims and minimise downtime
• Ensure vehicles, accessories, and modifications are adequately insured
Commercial Motor Insurance is not just about repairing vehicles—it is about keeping your business mobile, compliant, and operational when accidents or losses occur.