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Commercial Motor Vehicle Insurance

Use your vehicle for business? Consider adding Commercial Motor Vehicle Insurance to your Business Insurance policy to help cover unexpected damage and mishaps while on the road.

Call 132 818

Get a quote

Get a new replacement vehicle

If your vehicle is a total loss after a covered accident and less than 2 years old from when it was first registered, we’ll replace it with a new one of the same make and model.

What is Commercial Motor Vehicle Insurance?

Commercial Motor Vehicle Insurance (also known as business car insurance) can help if something goes wrong with your work vehicle, like if it causes damage to someone else’s property in an accident, or if it’s damaged in an accident, whether you or a third party caused it, if it’s stolen, or damaged by fire. What you’re covered for will depend on which level of cover you choose.

Business vehicles may include:

  • Cars
  • Hybrid and electric vehicles (EVs)
  • 4WDs
  • Vans
  • Utes
  • Trailers
  • Light trucks
  • Commercial caravans.

You can cover up to 5 business vehicles when you purchase an NRMA Business Insurance policy online, or call us on 132 818 to cover up to 20 vehicles.

What does Commercial Motor Vehicle Insurance cover?

Choose from 3 different levels of cover to suit your business needs. What you're covered for depends on the level you choose. Remember to always read the Product Disclosure Statement (PDS) for the full terms, conditions, limits and exclusions that apply.

Comprehensive

Get a quote

You’re covered for:

  • Legal liability (limits available up to $35 million)

  • Third party property damage

  • Damage to your vehicle in an accident

  • Fire and theft

  • Trailers attached to your vehicle (up to $2,500)

  • Signwriting

  • Damage to personal items and tools when damaged alongside your vehicle (up to $2,000)

  • Goods in transit in your vehicle

  • Hire vehicle after fire or theft (up to $3,000)

  • Tarps, gates, chains, straps and dogs (up to $5000 per event)

  • Mechanical breakdown (vehicles under 5 years old only, up to $2,000)

Fire, theft, damage to your vehicle in an accident, liability for damage to other vehicles or property in an accident, plus more.

Fire Theft & Third Party

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You’re covered for:

  • Legal liability (limits available up to $35 million)

  • Third party property damage

  • Fire and theft

  • Trailers attached to your vehicle (up to $2,500)

  • Hire vehicle after fire or theft (up to $3,000)

You won’t get cover for:

  • Damage to your vehicle in an accident

  • Signwriting

  • Damage to personal items and tools

  • Goods in transit

  • Tarps, gates, chains, straps and dogs

  • Mechanical breakdown

Fire, theft and damage to other vehicles or property.

Third Party Liability

Get a quote

You’re covered for:

  • Legal liability (limits available up to $35 million)

  • Third party property damage

You won’t get cover for:

  • Damage to your vehicle in an accident

  • Fire and theft

  • Trailers

  • Signwriting

  • Damage to personal items and tools

  • Goods in transit

  • Hire vehicle after fire or theft

  • Tarps, gates, chains, straps and dogs

  • Mechanical breakdown

Damage to other vehicles and property, or bodily injury, as a result of an accident involving your vehicle.

What does Commercial Motor Vehicle Insurance not cover?

Here are some of the types of things that Commercial Motor Vehicle cover doesn’t include, regardless of the level of cover you choose. For a full list of inclusions and exclusions, read the PDS.

  • Roadside assistance
    If your vehicle breaks down while you’re on the road due to a dead battery . If you want cover for this, you might want to consider getting NRMA roadside assistance*.

  • Unroadworthy or unsafe condition
    Damage caused by or arising directly or indirectly from the unroadworthy or unsafe condition of the vehicle.

  • Deliberate acts
    Damage or liability caused by or arising directly or indirectly from a deliberate act ordered by or carried out by you or someone acting with your permission.

Types of commercial vehicles we insure

When you buy an NRMA Business Insurance policy online, you can get cover for up to 5 vehicles. If you have more than 5 vehicles to cover, call us on 132 818.

Cars

Traditional combustion engine vehicles used for your business, such as sedans, wagons and SUVs.

Electric vehicles (EVs)

EVs and hybrid vehicles, cars, vans, utes and 4WDs, used for your business.

Light trucks

Goods-carrying vehicles up to 2 tonnes, such as utes and vans.

Heavy vehicles

Goods-carrying vehicles up to 5 tonnes, such as trucks.

Trailers and caravans

Trailers and vehicles over 5 tonnes (call 132 818).

Why get Commercial Motor Vehicle cover from NRMA Insurance?

Build your Comprehensive cover with optional benefits

Depending on the type of vehicle, add windscreen cover for excess-free windscreen repairs, or choose to add hire car cover to cover the cost of a hire vehicle after an accident.

Cover multiple vehicles and trailers

Add all your business vehicles and trailers so they’re covered under one policy. You can cover up to 5 vehicles when you buy an NRMA Business Insurance policy online, or call us on 132 818 if you have more.

Know you’re covered for any licensed driver

We’ll automatically cover any licensed driver who drives your vehicle (exclusions apply).1 Additional excesses may apply depending on the driver’s age or experience.1

Get a new replacement vehicle

If your vehicle is a total loss after a covered accident and less than 2 years old from when it was registered, we'll replace it with a new one of the same make and model.

When might a business benefit from Commercial Motor Vehicle Insurance?

Whether you use a car, ute, van or light truck for business purposes, NRMA Commercial Motor Vehicle Insurance offers cover options to help keep your business moving when unexpected events occur. The cover available depends on the level of cover you choose and the type of vehicle you insure.

We’re here to help with cover for a range of scenarios

  • You’re involved in an accident whilst making an ad hoc delivery of goods for work
    If you accidentally rear-end another vehicle while making an occasional delivery for your business, Commercial Motor Vehicle Insurance could help cover damage to your vehicle and the damage you cause to others (depending on your level of cover).

  • Your vehicle is stolen or damaged by fire
    If thieves steal your work vehicle or it’s damaged by fire, Commercial Motor Vehicle Insurance can help cover the resulting loss or damage (depending on your level of cover).

  • You damage someone else's vehicle or property
    If you reverse into a customer’s car or accidentally drive into a fence while on the job, your cover can help pay for the damage you’re legally responsible for.

  • Your vehicle can’t be driven after an accident
    If a covered accident leaves your business vehicle unsafe to drive, depending on your level of cover, we’ll pay the reasonable costs of towing your damaged vehicle to the nearest partner repairer so repairs can get underway.

  • Your vehicle is off the road and disrupting your business
    If your business car is written off or unable to be driven after an insured event, depending on your cover, a hire car could be arranged to help keep your business running (subject to policy limits and conditions).

  • Your new vehicle is written off within the first year of ownership
    If your vehicle is written off within the first 24 months from the date of first registration following an insured event, we'll replace it with a new vehicle of the same make and model (subject to policy terms).

What’s the difference between Commercial Motor Vehicle Insurance and personal car insurance?

Commercial Motor Vehicle Insurance is different to personal car insurance. For example, with Commercial Motor Vehicle cover your vehicle is covered when it is being used for a range of different business activities, like visiting work sites or clients, delivering goods and more.

If you use a car, van, ute, trailer, caravan or heavy vehicle for your business, your personal car insurance policy may not cover this. You should check your personal car insurance policy to confirm this.

FAQs

Commercial Motor Vehicle Insurance FAQs

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The cost of Commercial Motor Vehicle cover varies, depending on things like where your vehicle is kept, the kind of vehicle you have and level of cover you choose. To find out how much it will cost, you can get a quote.

Commercial Motor Vehicle cover may suit a range of occupations that rely on vehicles for work, including:

When you get a quote for Commercial Motor Vehicle cover, we’ll ask you:

  • What your current occupation is
  • The services your business offers.

This helps us understand what your commercial vehicle is used for and the associated risks. If your occupation is a type we can cover, you can get a quote online or over the phone.

We offer Commercial Motor Vehicle cover as an option within our NRMA Business Insurance policies. You can purchase Commercial Motor Vehicle cover as a standalone cover option or together with other cover options. You can build a policy with different covers to suit your needs when you get a quote.

We can’t insure some heavy vehicles over a certain weight limit.

  • For trailers, commercial caravans or vehicles with a carrying capacity of more than 5 tonnes, call us on 132 818 to see if cover is available.
  • If your vehicle has a carrying capacity less than 5 tonnes, you can get a quote online.

If your vehicle is mainly for personal use, you could consider getting personal car insurance instead.

Your vehicle is not automatically covered if you get an NRMA Business Insurance policy. When you get a quote, you’ll need to add cover for any commercial vehicles you want to insure.

Agreed value
Allows you to choose the amount you want to insure your vehicle for (from a range we give you).

Market value
This option is based on how much it might cost to replace your vehicle with one of the same age, condition, make and model immediately before the damage. This considers things like local market prices, your vehicle’s age, its condition, and any modifications or accessories.2

If you use a vehicle for business purposes, you might be able to claim a tax deduction for the insurance premiums you pay, provided the expense relates to earning your business income.

This is general information only and does not constitute tax advice. We recommend consulting a qualified tax adviser or visiting the Australian Tax Office website for guidance on your individual circumstances.

Yes. You can insure multiple business vehicles under one NRMA Business Insurance policy (up to 20 vehicles), helping you manage your cover more easily.

Lodge your NRMA Insurance claim quickly by calling 131 123 (available 24/7) or by logging in to the NRMA Insurance Claims portal.

For motor incidents, have your registration and incident details ready, and be sure to gather the other driver's contact, license, and insurance information.

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Other types of business insurance cover

For compensation claims if your business is found liable for accidentally causing injury or property damage.

Designed to cover businesses that give advice or provide a professional service, like consultants or other professionals.

Whether you’re a mechanic, motor vehicle detailer or auto electrician, our Motor Trade Insurance is designed to help businesses like yours.

Things you should know

  1. Cover is subject to standard underwriting guidelines and policy terms and conditions. Additional excesses may apply, including for drivers aged under 25 years or drivers aged over 25 but having less than 2 years driving experience.

  2. Modifications, options and accessories are not covered under Personal Items if those items are damaged in an incident we cover, or are stolen from your vehicle.