What Is Commercial Motor Insurance?
Commercial motor insurance is a business insurance product specifically designed for vehicles used in commercial activities.
It protects your work vehicle against damage, loss, theft, and liability — risks that often aren’t covered by personal car insurance. Whether you drive a ute to job sites, operate a delivery van, or manage a fleet of light trucks, having appropriate vehicle insurance is vital.
At Atlantic Insurance, we help businesses secure tailored policies that cover vehicles used for business purposes — from single operators to nationwide fleets. A standalone commercial motor insurance policy ensures the vehicle which is your business asset and your financial stability are fully protected.
Who Needs Business Vehicle Insurance?
If your vehicle is used for commercial purposes — even part-time — personal car insurance may not provide cover. Business owners, contractors, tradespeople, couriers, and service professionals all rely on their vehicles for income. Whether it’s transporting tools, visiting clients, or delivering products, vehicles used in your business need dedicated commercial motor cover.
Atlantic Insurance supports clients across diverse sectors by identifying the right level of protection for vehicle. We offer insurance for a wide range of vehicles, including vans, sedans, utes, trucks, and trailers — each with its own business insurance policy options.
Why Business Car Insurance Is Different
Business car insurance, also known as commercial vehicle insurance, differs from private cover in several ways. Commercial policies are designed for high-usage vehicles, multiple authorised drivers, heavier loads, and exposure to job-site risks. A policy that seems affordable at first may lack critical protection — like damage to your vehicle while working, trailer or equipment loss, or third-party property damage.
Atlantic Insurance helps compare commercial insurance plans that fit your business model. Whether you need full fleet insurance or want to cover your vehicle individually, we help ensure it’s done right — without gaps.
Types of Commercial Motor Insurance Cover
The most common cover options include:
- Third-party property damage: Covers you if your vehicle causes damage to someone else’s property.
- Comprehensive insurance: Includes third-party cover plus protection for your own vehicle from fire, theft, weather damage, or accidents.
- Fire and theft cover: Whilst less common that it was previously, limited cover can be selected if comprehensive cover isn’t needed and cover is only required for fire and theft damage to your vehicle.
- Hire Care Benefit: Offers a hire vehicle if your vehicle can’t be driven after an accident.
Atlantic Insurance works with leading providers to offer insurance solutions that reflect real-world risks. Every policy is designed with flexibility — including optional extras like, windscreen repair, downtime cover or cover for your vehicle accessories.
The Value of Fleet Insurance
If your business operates multiple vehicles, fleet insurance can simplify cover across all of them. A fleet policy consolidates administration, renewals, and claims under one account. It also allows flexible driver access and provides one consistent level of cover.
Atlantic Insurance can structure a fleet policy to fit your business, from a couple of business cars to a national network of trucks and vans. Fleet insurance makes sense for growing companies where vehicles are part of the infrastructure.
Factors That Influence Your Premium
The cost of a commercial motor insurance policy depends on several factors:
- Type of vehicle (e.g. sedan, van, ute, truck)
- Business usage (e.g. deliveries, transport, client visits)
- Annual kilometres driven
- Storage location and security
- Claims history
- Driver histories
- Coverage type (market vs. agreed value)
- Optional cover features like hire car, windscreen or downtime cover
Atlantic Insurance helps you compare commercial motor insurance offers from major Australian insurers. We’ll provide quotes based on your real usage and advise you on the levels of cover that make the most sense for your business.
Why Personal Insurance Leaves You Exposed
A personal policy typically excludes claims where the vehicle is used commercially. If you’re in an accident on the way to deliver goods or attending a job site, your personal car insurer may reject the claim.
Business car insurance is designed to fill that gap. It provides financial protection if the vehicle is involved in an incident while used for business purposes. That’s why it’s critical to assess whether your current policy matches the actual use of your car, ute, or truck.
Atlantic Insurance offers commercial motor vehicle insurance designed for trades, services, delivery businesses, consultants, and more. If your vehicle is part of your business — even occasionally — you need to be sure it’s properly covered.
Key Policy Considerations
When reviewing a policy, consider these questions:
- Will it cover your vehicle if it’s driven by employees?
- Is the cost of a hire vehicle included if yours is undriveable?
- Does the policy include exclusions for certain cargo?
- Are trailers and attached tools covered?
- Can it be bundled into a larger business insurance policy?
- Would you like an endorsement for automatic additions of new vehicles?
Atlantic Insurance provides clear advice on all terms and conditions. We explain what’s included, what’s not, and how to close coverage gaps.
How Commercial Motor Insurance Can Help
A properly designed policy can keep your operations moving even after an accident. Whether it’s getting a replacement vehicle, recovering loss or damage, or managing a liability claim, commercial motor insurance can help reduce financial pressure and operational downtime.
At Atlantic Insurance, we offer policy structures that match your business needs — not cookie-cutter templates. From heavy vehicle fleets to mobile service utes, we help businesses stay compliant, covered, and confident.
Request a Quote for Commercial Vehicle Cover
Getting a commercial insurance quote doesn’t have to be complicated. Atlantic Insurance simplifies the process by offering tailored assessments based on your usage, industry, and goals.
We’ll compare commercial vehicle insurance options across leading insurers and deliver a solution designed to help protect your business assets. Whether you’re insuring one vehicle or 20, our team is ready to help.
Why Atlantic Insurance?
Atlantic Insurance is a trusted insurance broker with deep expertise in commercial vehicle and business insurance. We provide honest, personalised advice and help clients navigate the complexities of standalone commercial motor insurance cover, fleet policies, and bundled business insurance packages.
If you’re looking for clarity, confidence, and a partner who understands business risk — contact us today. Our team is ready to help protect your business and keep your vehicles working for you.
Any information contained on this page of the website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice and the relevant Product Disclosure Statement (‘PDS’), Target Market Determination (‘TMD’) and Financial Services Guide (‘FSG’), which will be provided following any formal recommendation to you.