Utes and Dual Cabs
Work utes used by tradies, contractors and service businesses, including canopies, toolboxes and racks fitted to the vehicle.
Insurance cover
Commercial Vehicle Insurance for Vans, Utes and Fleets
Insuregroup helps businesses arrange commercial vehicle insurance for vans, utes, light trucks and mixed fleets, comparing options across a network of insurers. We work with trades, service, courier and delivery businesses that rely on their work vehicles every day.
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- Commercial Vehicle Insurance for Vans, Utes and Fleets
We work with a range of insurers and specialist commercial vehicle underwriters, including Zurich, Allianz, Lloyd’s, QBE, CGU, NTI, GT Insurance and UAA. (Policy terms and availability subject to underwriting assessment).
Insuregroup
Why Commercial Vehicle Businesses Work With Insuregroup
Insuregroup (AFSL No. 525491) has been supporting Australian businesses with commercial vehicle insurance solutions since 2014. Our team has developed a strong understanding of the challenges faced by businesses that rely on utes, vans, light trucks and mixed fleets as part of their day-to-day operations, and brings practical knowledge of transport, equipment and business-related risk considerations.
Since our inception, we’ve assisted businesses across a wide range of industries, including construction, trade services, logistics, manufacturing and mobile service operations. From single-vehicle operators through to businesses managing larger commercial vehicle fleets, we help clients navigate the insurance considerations associated with vehicle usage, drivers, equipment and operational risks. As a licensed and regulated Steadfast Group brokerage, Insuregroup follows strict compliance standards while providing ongoing guidance and responsive support tailored to commercial operators across Australia.
Monthly payment options are available for all commercial vehicle insurance policies, helping you manage cash flow more effectively.
Expert Advice
We specialise in commercial vehicle insurance, with over 10 years of industry experience and more than 5,000 policies arranged for businesses across Australia.
Quick Quotes
We understand the necessity for prompt delivery of insurance quotes, particularly when commercial vehicles are under finance. We source and guide you through a range of suitable commercial vehicle insurance options to ensure you can identify and secure coverage that meets your unique needs.
Policy Guidance
We help commercial businesses understand policy terms, inclusions and exclusions so they can make informed insurance decisions.
Claims Support
If a claim occurs, our brokers assist with the process and work with insurers on your behalf.
Ready to Get a Quote?
Submit your details online in minutes. Our brokers will review your information and provide a range of available cover options based on how your business operates.
What Is Commercial Motor Vehicle Insurance?
Commercial vehicle insurance is motor insurance for vehicles used to run a business, most commonly utes, delivery and service vans, light trucks and mixed fleets of work vehicles. At Insuregroup, we help businesses explore commercial vehicle insurance options through a network of insurers and assist in arranging cover suited to their operations.
Heavy vehicles such as prime movers, tippers and larger rigid trucks are usually arranged under a dedicated truck policy. See our truck insurance page for those.
Types of Commercial Vehicles That Can Be Insured
Insuregroup works with a broad network of insurance groups to help businesses find insurance options for a broad range of commercial vehicles.
Some of the most common vehicles we help with include:
Vans
Delivery, courier and service vans, from small panel vans to high-roof and long-wheelbase models. See van insurance. Vans fitted out to cook or sell food are covered under food truck insurance.
Light Trucks
Smaller rigid trucks used for local delivery and trade work, often sitting alongside utes and vans in the same business.
Mixed Business Fleets
A combination of utes, vans, cars and light trucks, often on one policy with a single renewal date. See fleet insurance.
Passenger Transport Vehicles
Such as taxis, rideshare cars and private hire vehicles. Whether you’re an owner-operator or running a small fleet, we specialise in working with businesses across industries like transport, construction, trades and more. Our team understands the demands of commercial vehicle operations in-depth and can assist you in sourcing suitable policy options through an extensive range of insurers. This includes exclusive access to insurance products and pricing available through our memberships with networks such as Steadfast Insurance Group.
Industries and Businesses We Work With
At Insuregroup, we help businesses that rely on work vehicles explore commercial vehicle insurance options suited to their operations.
Our clients typically include:
Courier and delivery businesses running vans and light commercial vehicles
Trades and service businesses using utes, vans or service vehicles for daily work
Construction and site contractors running utes, crew cabs and service vehicles
Retail, wholesale and distribution businesses using vans and light trucks for local delivery
Agricultural and rural enterprises transporting equipment, produce or materials
Service, maintenance and installation businesses running commercial vehicles across multiple job sites
What to expect
Insuring Vans, Utes and Mixed Fleets
Most commercial vehicle policies we arrange are for the everyday work vehicles that keep a business moving. A few details tend to matter most:
- Business use. Declare how each vehicle is used, such as carrying tools, delivering goods or transporting staff, so the policy matches the work.
- Drivers. Employees, younger drivers and occasional drivers can affect excesses. Check the driver terms before rostering someone new.
- Tools and stock. Tools and stock left in a van or ute are often not covered by the motor policy alone. A tools extension or a separate policy may be needed.
- Fit-outs and signwriting. Shelving, racking, canopies and signwriting should be declared so they are included in the vehicle’s value.
- Growing from one vehicle to several. As vehicles are added, a fleet policy can simplify renewals and administration.
Our article on van insurance for business covers vans in more detail.
What to expect
What Does Commercial Motor Vehicle Insurance Cover?
Commercial vehicle motor insurance policies can differ depending on the insurer, but generally, they include cover for things like:
- Accidental damage to your vehicle from collision or impact
- Fire, theft and malicious damage
- Third party property damage and legal liability
- Towing and storage after an insured event
- Signwriting, fit-outs and accessories, where declared
- Tools and equipment carried in the vehicle, where an extension is selected
Some policies may also offer optional benefits, such as windscreen replacement, vehicle hire after an accident or cover for signwriting and modifications. It’s important to review each policy carefully, as inclusions can vary between insurers.
Seeking advice from an insurance specialist, such as Insuregroup, can help to simplify this process and guide you in securing appropriate coverage.
What to expect
What Does Commercial Motor Vehicle Insurance Not Cover?
While commercial motor vehicle insurance can protect you against a wide range of business-related risks, there are certain things it typically does not cover. Common exclusions often include:
- Wear and tear, and mechanical or electrical breakdown not caused by an insured event
- Use outside the declared business purpose
- Unlicensed or unauthorised drivers, or driving under the influence
- Modifications not disclosed to the insurer
- Tools and stock in the vehicle, unless covered by an extension
Every insurer sets its own terms, so just as with inclusions, it’s important to check the Product Disclosure Statement (PDS) to understand exactly what isn’t covered. This helps to ensure you’re aware of any limitations or obligations under the policy.
Unsure about specific exclusions or struggling to find a policy with the necessary cover you need? Insuregroup can help you navigate this and support you to identify policy options that suit your requirements.
Request a quote
Request an Online Commercial Vehicle Insurance Quote
Please select from the options as required. You can select one or more options.
Complete the form below to receive a quote.
Completing the form usually takes 5 minutes.
Having trouble with the form? Contact Insuregroup
How it runs
Our Process
The Insuregroup Insurance Process – Insurance Solutions on Demand.
We’ve streamlined our process to make arranging insurance fast and straightforward. Simply complete our online quote form with a few details and we’ll compare options from our network of insurers. Most quotes are turned around within 24 hours.
Submit a Quote Request, Online or by Phone
Start by submitting a quote request through our online form or by calling our team. Provide your business and vehicle details, and we’ll begin sourcing the most suitable commercial vehicle insurance options for you.
We Source Competitive Quotes
We search a wide network of reputable insurers to find the most competitive and relevant policies for your vehicles, drivers and goods – typically within 24 hours.
Receive a Clear, Detailed Quote Summary
We present the available options in a clear, easy-to-understand email summary, outlining coverage, pricing and key inclusions tailored to your needs.
Finalise and Get Covered
Once you’re satisfied with the recommended policy, simply accept the quote. We’ll handle the paperwork and activate your cover quickly – often on the same day.
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Insuregroup have been very professional and prompt in dealing with the management of our insurances for the last 3 years.
Questions We Get Asked
Frequently Asked Questions
How Much Does Commercial Motor Vehicle Insurance Cost?
Premiums vary depending on several factors, including the type of vehicle, how it’s used, your claims history and insurer pricing. As a specialist insurance broker, Insuregroup works with various insurance groups to help you explore available options that meet your business requirements.
Does Commercial Motor Vehicle Insurance Cover Evs?
Yes, some insurers offer commercial cover for electric vehicles (EVs), although availability may vary. EV-specific factors like charging equipment, battery replacement and use type may influence the policy and coverage offered. We can assist in sourcing options from insurance groups in Australia that offer commercial EV coverage where required.
How Can I Get a Quote for Commercial Vehicle Insurance?
You can request a quote by completing our online form or calling the Insuregroup team directly. We’ll ask a few questions about your vehicle and how it’s used so we can best understand your needs. Guided by this information, we then explore suitable options for you through our memberships and network of insurance groups. We aim to return these results to you as quickly as possible for consideration, and can walk you through them in detail where required.
Are Monthly Premiums Available?
Yes, we can arrange monthly payments. Easy and stress free!
When Will Insurance Certificates Be Provided?
We will issue you with a certificate of insurance promptly following the finalisation of your payment. These can be issued in electronic form, so as to ensure the fastest possible turnaround.
How Long Does IT Take to Effect Cover and Produce Certificates?
The time taken for insurers to confirm the cover request is generally no longer than half an hour. We demand the best in quality and reliability and for this reason we have access to over one hundred national and international insurance providers. Being specialists in insurance, you can be confident our insurers will respond in a prompt and proficient manner, allowing us to deliver much quicker insurance quotes than many of our competitors
What About Insuregroup?
As your broker, Insuregroup acts on your behalf when arranging cover, and we aim to keep our service transparent and honest. When we search policies across our network of insurers, we look for options that suit your needs and budget, and explain the differences so you can decide.
Guides & Resources
View our latest guides on insurance, regulatory considerations and managing risk.
Guides and articles
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