Commercial Motor Insurance
Truck Insurance with an experienced Insurance Broker
Commercial Motor Insurance
Truck Insurance with an experienced Insurance Broker
What is Commercial Motor Insurance?
Commercial Motor Insurance provides financial protection if your vehicle is damaged, stolen, or involved in an accident while being used for business activities. This type of insurance can also include liability cover for damage you cause to other vehicles or property, as well as optional extras like windscreen cover, hire car, and tool protection. Commercial Motor Insurance is essential for trades, construction businesses, couriers, and any company that uses vehicles to operate safely and efficiently.
Who Needs Commercial Motor Insurance?
Commercial Motor Insurance protects businesses that rely on vehicles for work, covering cars, utes, vans, trucks, and fleets used for commercial purposes such as:
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Trades & construction businesses
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Couriers & delivery drivers
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Civil contractors
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Electricians, plumbers, carpenters
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Mobile service providers
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Companies with a fleet of vehicles
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Businesses towing machinery
What Does Commercial Motor Insurance Cover?
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Accidental damage
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Theft or attempted theft
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Storm, hail, fire
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Third-party property damage
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Windscreen replacement
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Towing
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Roadside assistance (optional)
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Hire vehicle after accident
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Signwriting cover
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Tools stored in the vehicle
What's standardly excluded under Commercial Motor Insurance
Use of drugs whilst operating truck
Speeding
Unlicensed vehicle
Unlicensed/Suspended Driver
Use of alchohol whilst operating truck
Reckless driving
Unroadworthy vehicle
Criminal and Illegal Behaviour
Why Choose Morgan Insurance Brokers?
✔ Access to Multiple Insurers
We work with a wide range of leading insurance providers to ensure you get the most competitive pricing and the right level of cover for your vehicles and fleet.
✔ Fast Quotes for Trades and Fleets
Whether you operate a single work ute or manage a full fleet, we deliver quick, efficient quotes so you can get on the road and start working sooner.
✔ Expert Claims Assistance
If something goes wrong, we handle the claims process on your behalf—saving you time, stress, and downtime so you can focus on running your business.
✔ Specialists in Construction & Trades
As experts in insuring trades, builders, and civil contractors, we understand the unique risks your vehicles and drivers face every day.
✔ Tailored Cover for Fleets, Utes, Trucks & Plant
We customise your policy to match how your business operates, whether you run light commercial vehicles, heavy trucks, tippers, excavators, or mixed-use fleets.
