Motor fleet insurance protects Australian businesses from vehicle-related risks, offering streamlined cover for multiple vehicles under one flexible policy.
Motor fleet insurance is a commercial policy that covers multiple vehicles owned or operated by a business under a single, consolidated plan. It is designed to simplify administration, reduce costs, and provide comprehensive protection for fleets of cars, vans, trucks, utes, and specialised vehicles.
Instead of insuring each vehicle individually, fleet insurance allows businesses to manage all their vehicles under one policy. This is particularly valuable for companies with three or more vehicles, including logistics operators, trades businesses, delivery services, and corporate fleets.
Typical coverage includes:
- Comprehensive insurance for damage, theft, and third-party liability
- Third-party property damage only options
- Fire and theft protection
- Automatic additions and deletions of vehicles
- Driver flexibility for multiple users per vehicle
- Signwriting and branding cover
- Higher legal liability limits
- Coverage for goods in transit
Specialist providers also offer tailored benefits for heavy motor fleets, including:
- New vehicle replacement up to 120% of the sum insured
- Finance protection for total losses
- Crisis management and public relations support
- Dangerous goods cover up to $50 million
- Emergency repairs, funeral expenses, and driver repatriation
Fleet insurance is not just about convenience—it is a strategic tool for risk management. It helps businesses maintain operational continuity, comply with legal requirements, and minimise downtime after incidents. With flexible terms and scalable options, policies can grow with your fleet and adapt to changing business needs.
In short, motor fleet insurance is essential for any Australian business that relies on vehicles to operate. It protects assets, supports drivers, and keeps your business moving.