Who it’s for

Designed for businesses that rely on vehicles

If your business relies on cars, vans, trucks, or specialised vehicles, commercial motor insurance is worth considering. It covers vehicles used for work, deliveries, transport, or equipment handling

Allied Health & Wellbeing Industry

Fleet policy for mobile healthcare teams and community service providers

Financial Services Industry

Fleet coverage for sales and account management teams across the business nation-wide

Coverage across multi-branches including vehicles at headquarters and site offices

Replacement vehicle provisions to maintain service continuity

Wholesale Industry

Fleet policy covering vehicles travelling to multiple office locations and depots

Fleet coverage for goods carrying trucks

Automatic additions and deletions of vehicles throughout the policy period

Retail Industry

Fleet coverage from single cars to multiple vehicles

Protection for signwriting and business branding on vehicles

Coverage for goods falling from vehicles

Manufacturing Industry

Coverage for specialised equipments like forklifts, bobcats, excavators

Coverage for delivery trucks and transportation of manufactured goods

Emergency repair coverage to minimise downtime

Construction Industry

Heavy vehicle fleet coverage including trucks, excavators, and specialised equipment

Non owned trailer coverage

Coverage for dangerous goods transportation

Cover

Secure comprehensive fleet protection

Own Vehicle Damage Cover

Comprehensive collision and single vehicle accident protection

Third Party Legal Liability

Up to $50M liability coverage with dangerous goods sub-limits available

Fire & Theft Protection

Fire, theft and property damage coverage for your fleet

Removal of Debris

Costs incurred for clean up and removal of your vehicles debris

Re-Keying and Re-Coding

Replacement keys if they are lost, stolen or damaged

Driver Personal Effects

Up to $3,000 for personal items damaged or lost following a claim

New Vehicle Replacement

Is available for up to 120% sum insured with up to 2 year new-for-old periods

Hire Cost Following Theft

Replacement hire car coverage available following theft of a Driver Personal Effects

Responds

How the policy may respond

Real-world examples of how our insurance has helped protect disability support workers

SCENARIO

A tradie reverses a signwritten ute into a fence after leaving a job site. The rear panel is dented, the tail light is smashed and the signwriting is damaged. The vehicle needs towing before repairs can begin.

IS THIS COVERED?

If comprehensive cover applies, the policy may respond to accidental damage to the insured vehicle. It may also include cover options for towing and damaged signwriting, subject to the policy terms.

SCENARIO

A courier van is stolen overnight from outside a home. It is found two days later with fire damage and missing stock. The business also needs a replacement vehicle while the claim is being assessed.

IS THIS COVERED?

Depending on the cover selected, the policy may respond to theft or fire damage to the insured vehicle. Some policies also include cover options for a hire vehicle after fire or theft.

SCENARIO

A driver in an insured work van misjudges a turn and hits a client’s front gate and parked car. The client claims repair costs and says the business is legally responsible for the damage.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A stone flicks up on a regional road and cracks the windscreen of an insured work ute. There is no other vehicle damage, but the crack runs through the glass and needs repair before the ute can return to work.

IS THIS COVERED?

Some policies include windscreen benefits where the broken glass is the only damage. In some cases, no basic excess applies to the first eligible windscreen claim.

Accident Damage

SCENARIO

WHY IT’S COVERED

If comprehensive cover applies, the policy may respond to accidental damage to the insured vehicle. It may also include cover options for towing and damaged signwriting, subject to the policy terms.

Theft and Fire

SCENARIO

WHY IT’S COVERED

If comprehensive cover applies, the policy may respond to accidental damage to the insured vehicle. It may also include cover options for towing and damaged signwriting, subject to the policy terms.

Third Party Damage

SCENARIO

WHY IT’S COVERED

If comprehensive cover applies, the policy may respond to accidental damage to the insured vehicle. It may also include cover options for towing and damaged signwriting, subject to the policy terms.

Windscreen Claim

SCENARIO

WHY IT’S COVERED

If comprehensive cover applies, the policy may respond to accidental damage to the insured vehicle. It may also include cover options for towing and damaged signwriting, subject to the policy terms.

Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

FAQs

Commercial Motor insurance FAQ’s

Who is upcover?

What is Commercial Motor and Fleet insurance?

How many vehicles do I need to qualify to get Commercial Motor and Fleet insurance?

© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.

Commercial Motor Insurance for Australian Businesses

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What is commercial motor & fleet insurance?

Designed for businesses that rely on vehicles

Why our customers love us

Secure comprehensive fleet protection

How the policy may respond

Our Partners

Commercial Motor insurance FAQ’s

Who is upcover?

What is Commercial Motor and Fleet insurance?

How many vehicles do I need to qualify to get Commercial Motor and Fleet insurance?

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