Commercial car insurance is a type of comprehensive policy that provides protection for motor vehicles which are used to perform specific business tasks.
This can be anything from - but not limited to - transporting goods, moving heavy materials, or passengers for business purposes.
This kind of policy is designed to help you manage any costs involving accidental damage caused by your business vehicle to other cars or property or if your vehicle is damaged by a third-party.
Commercial car insurance can cover a range of vehicles. Some examples include:
Commercial fleet insurance is a specialised policy that offers coverage for multiple vehicles owned or leased by your business.
Many policies allow you to automatically include and remove vehicles, which makes it a lot easier to protect your operations if you're working with multiple motor vehicles.
As with any insurance policy, it's important to be aware of the exclusions. Always refer to the insurer's product disclosure statement (PDS) for complete details or talk to a broker. Common exclusions are:
It depends on the type of commercial policy you're looking for. It can be as simple as comparing options online and applying directly through a provider.
If you're looking for more specialised or complex protection, you can speak to a broker to find a tailored package that fits your business needs.
While some car insurance providers allow you to purchase commercial car insurance directly or through their website, our research shows that most commercial policies are purchased through a broker.
Commercial brokers:
If your business needs aren't as extensive or you only use your car for the occasional business activity you may not need a commercial policy. There are insurers who may cover you to some extent for business use with a personal insurance policy.
Find out how car insurance in Australia covers additional drivers.
What you need to know about insurance if you’re involved in a car accident that wasn’t your fault.
Yes, you need car insurance to protect you from expensive bills following an accident.
Jet ski insurance protects you and your jet ski from potentially devastating damages, allowing you to cruise in confidence.
Everything you need to know about car insurance claims when your vehicle is damaged in a hit-and-run.
Discover if your car insurance policy will cover you for paint damage with this guide.
Everything you need to know about pressing pause on your car insurance cover while your vehicle is off the road.
Compare cover from a range of car insurance providers and find out some of the things you will be covered for under a comprehensive policy.
Your guide to the car insurance products available from Budget Direct.
With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
Would I need business car insurance if I only work at home? However, I occasionally drive my car to work.
Hi Gloria,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Basically, you would only need business car insurance if you are using your car for business purposes. Since the majority of the time you are working in your home, your car might only be considered as a car for personal use.
For this reason, you might be interested instead of checking other types of car insurance policies. You will be able to compare car insurance side-by-side and get quotes. You can also check different types of car insurance as well as how to switch policies.
Once you find a car insurer, they would most likely provide a policy that would best fit your needs and preference. From there, you should be able to confirm whether business car insurance is right for you or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua