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Commercial Motor Vehicle Insurance

You can get a $150 Virtual Visa Gift Card^ with a new business insurance policy

Use promo code BUSINESS

Offer ends 28 November 2025. Excludes Motor Trade Insurance. T&Cs apply. Policy must be held for a minimum of 30 days from making the first complete payment.

BUSINESS
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What does Commercial Motor Vehicle Insurance cover?

Choose from three different levels of cover. What you're covered for depends on the level you choose. Terms, conditions, limits and exclusions apply – see the PDS for details.

Comprehensive

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

Covered

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

  • Third party property damage

  • Accidental damage to your vehicle

  • 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

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

Fire, Theft & Third Party

Fire, theft and damage to other vehicles or property.

Covered

  • 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)

Not covered

  • Accidental damage to your vehicle

  • Signwriting

  • Damage to personal items and tools

  • Goods in transit

  • Tarps, gates, chains, straps and dogs

  • Mechanical breakdown

Third Party Liability

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

Covered

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

  • Third party property damage

Not covered

  • Accidental damage to your vehicle

  • 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

What is Commercial Motor Vehicle Insurance?

Commercial Motor Vehicle 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 accidentally damaged, stolen or destroyed in a fire. What you’re covered for will depend on which level of cover you choose.

Business vehicles may include cars, vans, utes, trailers and light trucks. 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’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.

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.

Standard vehicles used for your business, such as sedans, wagons and SUVs

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

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

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 experience1.

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.

FAQs

Commercial Motor Vehicle Insurance FAQs

Read more

How much does Commercial Motor Vehicle cover cost?

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.

Which occupations can get Commercial Motor Vehicle cover?

When you get a quote for Commercial Motor Vehicle cover, we’ll ask you what your current occupation is and which types of services your business offers. This helps us understand what your commercial vehicle is used for and the risks that come with those activities. If your occupation is a type that we can cover, you can get a quote online or over the phone.

Do I need an NRMA Business Insurance policy to get Commercial Motor Vehicle cover?

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.

Which types of vehicles aren’t covered by Commercial Motor Vehicle cover?

You can get cover online for vehicles with a carrying capacity of up to 5 tonnes. For trailers, commercial caravans or vehicles with a carrying capacity of over 5 tonnes, call us on 132 818 to see if cover is available. If your vehicle is mainly for personal use, you might want to consider getting personal car insurance instead.

Does an NRMA Business Insurance policy automatically cover my business vehicle?

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.

What’s the difference between agreed value and market value?

Agreed value means you choose the amount to insure your vehicle for (from a range we give you). Market value means how much it costs 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 accessories2.

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

^The Virtual Visa Gift Card Offer applies in conjunction with the purchase of a new NRMA Business Insurance, NRMA Professional Indemnity Insurance or NRMA Information and Communications Technology Liability Insurance policy taken out online, over the phone or at a branch between 12:00am AEDT 10 October 2025 and 11:59pm AEDT 28 November 2025. Promo code BUSINESS must be applied to be eligible for this Offer. Policy must be paid for by the policy due date, and cannot be cancelled within 30 days after making the first complete payment. A valid email address must be provided. Virtual Visa Gift Cards can be used in person, online and/or over the phone at retailers that accept the Virtual Visa Gift Card. Offer will not be applied to any renewal of your policy. See the full terms and conditions for the Gift Card Offer.

  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.