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.
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.
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.
Fire, theft, accidental damage to your vehicle, liability for damage to other vehicles or property in an accident, plus more.
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 and damage to other vehicles or property.
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)
Accidental damage to your vehicle
Signwriting
Damage to personal items and tools
Goods in transit
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.
Legal liability (limits available up to $35 million)
Third party property damage
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
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.
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)
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
Insurance for hobby or working farms. Cover options for things like your domestic home, farm buildings and contents, fencing, farm equipment, vehicles and more.
