Motor Fleet Insurance

Comprehensive cover for your business vehicles

Managing a fleet of vehicles comes with unique risks — from accidents and theft to damage to third-party property. Motor Fleet Insurance is designed to provide financial protection for businesses that operate multiple vehicles, helping to minimise downtime, reduce out-of-pocket expenses, and safeguard both drivers and assets.

What is Motor Fleet Insurance?

Motor Fleet Insurance provides a coverage option for your business' motor vehicle or collection of vehicles without having to insure each vehicle individually. This type of policy is suitable for a range of different vehicle types and motor fleet sizes meaning you can manage all your business vehicles under the one policy, saving significant time on administration and help lower your overall premium costs.

Coverage for your vehicle can include a range of different options such as:

• Comprehensive insurance
• Fire, theft and third party property damage
• Third party property damage only

It also contains additional benefits tailored specifically for businesses including automatic additions and deletions, sign writing, greater driver flexibility and higher legal liability limits.

Do I need Motor Fleet Insurance?

If your business relies on multiple company vehicles for daily operations then Motor Fleet Insurance may be suitable for you. Fleet insurance is designed to cover a group of vehicles under a single policy, offering convenience, potential cost savings, and comprehensive protection tailored to your business's needs.

Talk to your broker about how a Motor Fleet Insurance policy could benefit your business if any of the below points apply:

• You own or lease multiple vehicles (typically three or more). Generally, if a business owns or leases multiple vehicles (typically three or more), fleet insurance becomes more practical and cost-effective than insuring each vehicle separately.
• You operate various types of vehicles Businesses with a mix of vehicles (e.g., cars, vans, trucks, utes, or specialised vehicles) may benefit from fleet insurance, as it can provide tailored coverage for different types under the one policy.
• You have multiple drivers per vehicle If multiple employees or contractors regularly drive business vehicles, fleet insurance simplifies coverage compared to insuring each driver individually.
• You have additional risks to Cover Fleet insurance can offer broader protection, including third-party liability, damage to vehicles, and coverage for goods in transit.
• You want streamlined administration Businesses looking to reduce administrative burdens can benefit from a single renewal date, uniform terms, and centralised claims management through a fleet policy.

Who is it suitable for?

Small business fleets | Delivery services | Transport companies | Trades businesses | Logistics operators | Vehicle hire businesses