Commercial Motor / Fleet Insurance

Commercial Motor Insurance is essential for businesses that rely on vehicles for their day-to-day operations. This insurance helps protect the company's vehicles, as well as potentially covering third-party damages, ensuring that the business can continue to run smoothly in the event of an accident or other vehicular incident.

For more information, feel free to contact Warren directly at warren@broadrisk.com.au or call him on 0422 131 401.

What is Typically Covered:

• Vehicle DamageCovers repair or replacement costs if your business vehicles are damaged in an accident or by vandalism, theft, fire, or weather events.
• Third-Party LiabilityProtects your business against the financial consequences if your vehicles cause injury to others or damage to their property.
• TheftProvides coverage if your commercial vehicle is stolen.
• Windscreen and Glass CoverCovers the cost of repairing or replacing the vehicle's windscreen or windows without affecting your no-claims bonus.
• Legal CostsCovers legal fees associated with a claim involving your commercial vehicle.
• Downtime CoverageCompensation for loss of income when your commercial vehicle is off the road due to an insured event.

What is Not Typically Covered:

• Normal Wear and TearThe expected deterioration of the vehicle over time is not covered.
• Damage from Unapproved UseDamage resulting from the use of the vehicle for purposes not covered by the policy.
• Intentional DamageAny damage intentionally caused by the policyholder or authorised drivers.
• Mechanical or Electrical BreakdownIssues related to the vehicle's mechanical or electrical systems are typically not covered unless specifically stated in the policy.
• Driving Without a Valid LicenseIncidents that occur when the driver does not have a valid driving license or is in breach of the license conditions.
• Use Beyond Geographical LimitsClaims that arise when the vehicle is used outside the geographical area covered by the insurance policy.

Frequently Asked Questions