Commercial Motor Insurance

Use a vehicle for business? Protect your profit from the cost of repairs, legal action, or theft with commercial motor coverage. Commercial motor covers utes, passenger vehicles, vans and more.

What is Commercial Motor Insurance?

Commercial Motor Vehicle Insurance covers your business vehicles. It offers more rigorous and flexible cover than Private Motor Vehicle Insurance to make things easier on you as a business owner. For example: 

  • Automatic cover for swapping vehicles or buying a new car;
  • Most drivers do not need to be listed individually; and
  • Automatic cover for accessories up to a certain amount.

Commercial Motor insurance is vital for any business that owns vehicles, especially those using their vehicle for business purposes (tradesman, consultants, real estate and anyone delivering their own goods to customers).

commercial motor insurance ute cover

What can be covered

What may not be

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How can we help?

Having a customisable policy is important for protecting your vehicle and the purpose it serves in your business. We can help you tailor your policy so it protects the income-earning role of your asset — and the liability of its drivers.

You’ll also receive recommendations for extensions to cover your highest risks, so you’re not paying for a policy that doesn’t cover what you need.

For every new business quote and renewal, we break down all important changes and comparisons in plain English.

Commercial Motor claim example

Sue operates her own florist, with a van she uses for both personal daily commuting and customer deliveries.

Sue decides to trade in her van for a newer model, but is incredibly busy at the time. She forgets to call her broker to let them know about the trade in, and she sends one of her staff to pick up the new van from the dealership. Of course, on the way back – the staff member has an at fault accident and the new vehicle is damaged.

Because Sue has a commercial motor policy, she is automatically covered for the first 30 days even though she forgot to tell her broker and there are no concerns about her staff member driving it and not being declared. She is fully covered and the new vehicle will be repaired and put back on the road as quickly as possible!

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Our Specialty

Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We'll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.

Great advice

As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.

Your partner

We manage your insurances so you don't have to — save precious time and effort.

clear terms

Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.

full cover

With a broker, you get more comprehensive cover and benefits not available if buying directly.

Frequently Asked Questions

There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:

  • Work on your behalf to secure you better protection through their negotiating power
  • Help you understand your risks and empower you to make better life / business decisions
  • Ensure insurers are held accountable to their promise to protect what you value during claims
  • Save you time and money by taking care of comparing and customising policies for your needs

What our Customers Say

109 James Street, New Farm

5.0 246 reviews

  • Avatar Mr J ★★★★★ a week ago
    Dealing with Natasha made sorting out my insurance as painless as it could have ever possibly have been.Natasha gave me multiple options and choices, also adding her opinion of pitfalls to be mindful of.Being our first commercial … More property purchase, I was extremely lucky to be talking with Natasha, who has an outstanding and wide knowledge of commercial properties and associated insurance.To my amazement, Natasha also offered all these options in under an hour, which I found stunning!The lost art of PR and courtesy is alive and well here.Thank you SO much for being you !Jay, Adelaide SA
  • Avatar Kymberlei Goodacre ★★★★★ a week ago
    I found Tracey communicative, efficient and friendly. The quotes received were competitive and the material provided easy to read and understand. My email queries were answered responsively with the information I sought. … More For a busy professionals looking for insurance - these are the brokers I recommend.
  • Avatar Melissa Park ★★★★★ 2 weeks ago
    Karen has been handling our business insurance for past few years and has always been a pleasure to deal with. She is professional and always manages my queries and requests in a timely manner. I would definitely recommend … More her and CIB.
  • Avatar naran patel ★★★★★ 3 weeks ago
    Great customer service from Natasha Nielsen 5/5. She explained the ins and outs for my landlord insurance that allowed me to go for the most prudent package. I wished I heard about this firm earlier.Any future insurance deals/renewals … More I will giving them a call first!
  • Avatar Susan Vlack ★★★★★ 3 weeks ago
    Standard insurance packages did not cover my business needs, leaving me vulnerable. Debbie quickly sorted it out and provided good options. Highly recommended. Big Thankyou, Debbie!

Learn more about Commercial Motor Insurance

Get in touch

Talk today with our team to find the right kind of insurance that will suit your needs.

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