Mercantile Motor / Transport insurance
Commercial vehicle insurance
Motor insurance for business cars, utes, vans and smaller commercial vehicle schedules.
Cover for vehicles used in commercial operations
Businesses may use cars, utilities, vans and light commercial vehicles for sales, service calls, deliveries and daily operations. Commercial motor insurance is designed around the declared business use and the policy terms selected.
Whether vehicles are insured individually or under a fleet arrangement depends on insurer eligibility and the schedule. Private use, employee use, carrying goods, regular routes and modifications can affect how the risk is assessed.
Information that helps with a quote
- Vehicle make, model, year, registration and insured value
- Business use, annual kilometres, garaging and operating area
- Who drives each vehicle and any age or experience requirements
- Accessories, tools, fit-outs and vehicle modifications
- Claims history, finance and leasing details
Business motor and delivery exposures
Motor insurance covers the vehicle risks described in its wording. Tools, stock or customer goods carried in a vehicle may need separate property or transit cover. A business using vans for delivery can also review our courier and delivery fleet insurance page.
Commercial vehicle insurance questions
What is commercial vehicle insurance?
Commercial vehicle insurance is motor insurance for vehicles used in connection with a business. Depending on insurer terms, this can include vans, utes, cars and other light commercial vehicles used for sales, service, delivery or general business operations.
Is business use different from private motor insurance?
Business activities and vehicle use need to be accurately disclosed to the insurer. Commercial policies can be structured for business exposures that may not fit a private motor policy, subject to the insurer’s underwriting criteria and policy wording.
When does a fleet policy become relevant?
Businesses operating several vehicles may be able to consolidate eligible vehicles under motor fleet insurance. Minimum vehicle numbers and eligibility vary between insurers.
Next step
Review your motor insurance program
Tell us about your vehicles, drivers, operating areas and current insurance. We can help identify the information insurers need to consider terms for your business.
Discuss your fleet
Request an insurance quotation
Share a few details and a broker can follow up about the vehicles, operations and cover you want reviewed.
General insurance information only. Cover is subject to underwriting, policy terms, conditions, exclusions, limits and deductibles.