Commercial Motor Vehicle Insurance

Protect your business on the move

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Insurance for commercial motor vehicles in Australia

Comprehensive commercial vehicle insurance for every business

Navigating the road of business is challenging enough without having to worry about unexpected setbacks.

Whether you’re going between client meetings in a sedan or delivering goods with a van, your commercial vehicle plays a pivotal role in your success.

That’s why at GSK Insurance, we offer specialised Commercial Motor Vehicle Insurance to keep your business running smoothly, no matter what bumps or detours lie ahead. We tailor insurance packages to your business so that you’re protected and can hit the road with peace of mind.

What can Commercial Motor Vehicle Insurance cover?

We’ve partnered with Australia’s very best insurers so that we can offer tailored, comprehensive insurance packages for any commercial vehicle. Our policies available include:

comprehensive carrier liability

Full Comprehensive Insurance

Third-Party Property Damage

Third-Party Property Damage – Fire & Theft

What’s at risk?

If you’re using your car for work, you’ll likely be on the road more than the average person, and should protect your vehicle from any potential risks or accidental damage. Whether you’re a single driver, have a fleet of vehicles, or run a courier service, you need to cover yourself.

Here are some risks you need to be aware of:

Accidents and collisions

Accidents & Collisions

Commercial vehicles are on the road more frequently than personal vehicles, increasing the likelihood of accidents and collisions. Commercial motor insurance covers the cost of repairing or replacing your vehicles and may also include coverage for bodily injury and property damage liability to others involved in the accident.

Theft & Vandalism

Commercial vehicles can be targets for theft and vandalism. Insurance can help cover the cost of replacing stolen vehicles or repairing damages resulting from theft or acts of vandalism.

Fire Damage

Commercial vehicles are at risk of fire damage, whether from accidents, arson, or other causes. Commercial motor insurance typically includes coverage for fire-related damages to your vehicles.

Third-Party Liability claims

Third-Party Liability

When your business vehicles are involved in accidents that cause damage to other people’s property or result in injuries to third parties, you may be held liable. Commercial motor insurance often includes coverage for third-party property damage and bodily injury liability to protect your business from legal and financial consequences.

Need to make a claim?

Don’t worry – we’re here to help. Follow these steps to ensure a smooth claims process.

1. Gather information

Collect your essential information, including your policy number, insurer’s name, and agent’s contact. Be ready to describe the incident type, damage or loss, how it occurred, any witness, and any additional documentation or photos if available.

2. File your claim

To file a claim, contact your insurer and provide your policy number. The claims adjuster may request more information or documents, and some insurers offer online claim forms for quick submission.

3. Review and negotiate the claim

Once you file your claim, the insurer will respond within ten business days. If approved, expect a settlement offer that may be lower than anticipated. If denied, they’ll provide a reason, and you can appeal with legal guidance. Keep all related documents for future reference, and if your claim is approved, move forward accordingly.

4. Get the payment

After settling, expect a payment from the insurance company. For inquiries or claim status updates, contact your insurer or broker. In exceptional cases, like catastrophes, the process may extend up to 12 months, but you can still inquire about your claim’s status.

Our Client
Stories

Why GSK Courier Insurance?

Product liability and public liability

40 years experience

With over 40 years of experience, we’ve seen it all – and that’s why our customers trust us to provide them with the best insurance solutions for their unique needs.

Carrier legal liability

Tailored Insurance Packages

Don’t settle for a one-size-fits-all insurance plan. Our tailored courier insurance ensures that you get the coverage you need to keep your business running smoothly.

Subcontractor legal liability

Instant Quotes

Get the coverage you need, fast. With our instant quotes, you can find out just how affordable insurance can be, in just a few clicks.

Australia Wide Cover

From the outback to the coast, our Australia-wide cover means that you’ll always have the peace of mind you need to operate your business with confidence.

Legal costs

Competitive Pricing

Why pay more than you have to for insurance? Our competitive pricing ensures that you get the coverage you need at a price you can afford.

Excellent Customer Service

We believe that great customer service is the foundation of GSK Insurance. That’s why we go above and beyond to provide you with the support and guidance you need to make informed decisions about your insurance coverage.

Frequently Asked Questions

What is Commercial Motor Vehicle Insurance?

Commercial Motor Vehicle Insurance, also known as Business Car Insurance, provides coverage for vehicles used for business purposes, including transportation and client visits.

Who needs Commercial Motor Vehicle Insurance?

Anyone who uses vehicles for business use, whether it’s a single car or a fleet of trucks, should consider Commercial Motor Insurance.

It’s crucial for business owners who use vehicles for their business. If transport forms any part of your business, Commercial Motor insurance can cover anything, from a single car to a fleet of trucks. If damage to your vehicle will result in missed job opportunities and/or financial hardship, you should consider a comprehensive cover policy to insure you for when the unexpected happens.

What does Commercial Vehicle Insurance cover?

Our policies cover a range of risks, including collision damage, theft, fire, third-party property damage, and legal liability for third-party property damage.

Can I cover vehicle contents under this insurance?

Yes, our policies can cover vehicle contents in case of loss or damage.

What are the different types of policies available?

We offer several different policies available to cover your Commercial motor vehicles, including:

  • Full comprehensive insurance – insures you against loss of or damage to your vehicles due to a collision and other accidental damage, theft, fire and also includes indemnity for any legal liability for third party property damage.
  • Third-party property damage cover – only provides protection for any damage to third party vehicles or other property for which you are held responsible.
  • Third-party property damage fire & theft – provides cover limited for your vehicle should it be damaged by fire or stolen, plus third party liability.

These policies can cover emergency repairs, vehicle contents, and loss of income as a result.

What types of vehicles are covered by a Commercial Vehicle Insurance policy?

A Commercial Vehicle Insurance policy typically covers a wide range of business-use vehicles, including sedans, utes, vans, trucks, forklifts, trailers, and more. It’s designed to provide coverage for vehicles used in various business activities, such as goods transportation or client visits.

How much does Commercial Car Insurance cost?

This will depend on a range of different factors and your individual needs. Things that will generally be considered will be:

  • The value of your vehicle or vehicles
  • Where you usually park and leave your vehicle
  • Whether you have a single vehicle or need fleet insurance
  • If you have any accessories, such as trailers
  • Your claims history
  • If you need any type of third party insurance

Are there any exclusions in Business Vehicle Insurance coverage?

Yes, there may be exclusions, deductibles, limits, and conditions. It’s essential to discuss these details with your GSK Insurance broker.

Can I include Commercial Motor Insurance in my business insurance package?

Yes, you can choose to include Commercial Motor Insurance as part of your business insurance package.

What should I do in case of an accident or damage to my commercial vehicle?

In case of an accident or damage, you should contact our claims department promptly to start the claims process.

Can I adjust my coverage as my business grows?

Yes, you can modify your coverage to meet the changing needs of your business.

Is there a waiting period before the insurance coverage starts?

The waiting period can vary depending on the policy and circumstances. Your broker will provide you with specific details.

What steps should I take to minimise my insurance premium?

Maintaining a safe driving record, securing vehicles, and discussing your specific needs with our experts can help you optimise your insurance premium.v

Can I just have a personal car insurance policy instead?

While personal car insurance is suitable for personal use vehicles, it may not provide adequate protection for commercial motor vehicles used for business purposes. Commercial Motor Vehicle Insurance is tailored to address the unique risks associated with business operations, making it essential for safeguarding your business assets during goods transportation or client visits.

It’s crucial to consult with an experienced insurance broker to ensure your commercial vehicles are properly covered, as mixing personal and commercial use under a personal car insurance policy can lead to coverage gaps and potential financial risks for your business.

Commercial Motor Vehicle Insurance by GSK Insurance

For more information about commercial motor vehicle insurance, contact GSK Insurance Brokers today.

Courier Hotline: 1300 220 212

Courier Email: courier@gskinsurance.com.au

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