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Bespoke Insurance Group

D-01Specialist

Commercial Motor & Fleetinsurance.

Cover for business vehicles, from a single ute to a full fleet.

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D-01 · Elevation

01 · The exposure

Every vehicle with your name on it carries your reputation too.

Commercial motor and fleet insurance can cover cars, utes, vans, trucks and specialised vehicles used in your business, against accidental damage, theft and third-party property damage. Fleet policies can simplify administration and be structured around how your vehicles are actually driven and used.

02Scope

What this covercan respond to.

A general guide. What a particular policy covers depends on its wording, limits, conditions and exclusions, and on what is declared to the insurer.

  1. 01Accidental loss of or damage to insured vehicles
  2. 02Liability for damage to third-party property
  3. 03Theft and malicious damage
  4. 04Options such as hire vehicles, windscreen and tools of trade, where selected
Often discussed byTrades with vans and utesTransport and logistics operatorsBusinesses with company carsDelivery and service fleets

03What we look at

Where the detailmatters.

  • Driver profile

    Who drives your vehicles, and their history, shapes both the price and the conditions of cover.

  • Signwriting, fit-out and tools

    Fit-outs, signage and tools left in vehicles may need to be specified or covered separately.

  • Compulsory third party

    Personal injury caused by a registered vehicle is dealt with through each state’s compulsory third party scheme, which is separate from your motor policy.

04 · Before we talk

Questions yourbroker will ask.

Having these answers to hand makes the first conversation faster and the submission to insurers stronger.

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  1. How many vehicles do you operate, and of what type?
  2. Who drives them, and how are they used?
  3. Where are vehicles garaged overnight?
  4. What does your claims history look like?

05 · Questions

Frequently asked.

How many vehicles make a fleet?

It depends on the insurer, but fleet policies can become available with only a few vehicles. We can compare a fleet policy against individual policies.

Related cover

Commonly part of programs for construction & trades and transport & logistics.

Talk commercial motor & fleetthrough with a broker.

A short conversation is usually the fastest way to know where you stand. No obligation, and no form required if you would rather call.

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Or call 1300 513 652, answered 24/7