Business Car Insurance
Business Car Insurance with an experienced Insurance Broker
Business Car Insurance
Business Car Insurance with an experienced Insurance Broker
What is Business Car Insurance?
Business car insurance is a specialist policy that covers vehicles used for work-related purposes beyond standard commuting. It protects you when driving to meetings, visiting clients, transporting goods, or using your car to support daily business activities. Standard personal insurance won’t cover these situations, which could leave you uninsured in the event of an accident. Business car insurance typically includes protection against damage, theft, liability, and sometimes additional drivers or multiple vehicles. It’s essential for anyone who uses their vehicle professionally, ensuring legal compliance, financial security, and peace of mind while on the road.
Who Needs Business Car Insurance?
Business car insurance is essential for anyone who uses their vehicle for work beyond simply commuting. This includes professionals who travel to meetings, visit clients, or attend multiple work sites. Tradespeople, sales representatives, delivery drivers, and those transporting tools, equipment, or products for business all require this cover. Freelancers and self-employed workers using their car to support their services also need business insurance. Even employees using their personal vehicle for company tasks, such as making deliveries or site visits, must be properly insured. If your car plays any role in your job, business car insurance keeps you protected and compliant.
What Does Business Car Insurance Cover?
Business car insurance provides protection for vehicles used in work-related activities beyond normal commuting. It typically includes:
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Accident damage: Covers repairs to your vehicle if you’re involved in a collision while driving for business.
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Third-party liability: Protects you if you cause injury or damage to someone else’s property while working.
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Theft and vandalism: Covers your vehicle if it’s stolen or damaged maliciously.
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Windscreen and glass cover: Helps pay for repairs or replacement.
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Personal belongings: Protects tools, equipment, or work-related items kept in your car.
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Hire car: Often included while your vehicle is being repaired.
Coverage varies by insurer, but business car insurance ensures you’re protected whenever your vehicle is used for professional purposes.
What's standardly excluded under Business Car 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?
✔ Wide Access to Top Insurers
We partner with a broad network of trusted insurance providers, giving you competitive pricing and the right level of protection for your business vehicles and fleets.
✔ Fast, Hassle-Free Quotes
From a single company car to an entire fleet, we provide quick, reliable quotes so your team can stay mobile and your business can keep moving.
✔ Dedicated Claims Support
If an incident occurs, we manage the claims process for you—reducing stress, saving time, and minimising vehicle downtime.
✔ Industry Expertise for Trades & Business Use
We specialise in protecting vehicles used by trades, contractors, and service-based businesses, understanding the everyday risks your drivers face.
✔ Customised Cover for Cars, Vans, Utes & Fleets
Your policy is tailored to match how your business operates, whether you rely on company cars, commercial vans, utes, or mixed business fleets.
