If you’re an NDIS provider or operate a business that involves transporting participants, you’ve probably discovered that finding commercial motor insurance isn’t as simple as it sounds. Many insurers are hesitant or outright refuse to cover vehicles used for NDIS-related purposes or passenger transport. In this blog, find out Why Many Insurers Won’t Cover NDIS Passenger Transport Vehicles and how Morgan Insurance Brokers who we specialise in helping NDIS businesses and transport operators can find the right protection even when others say no.

Why Insurers Decline Passenger Transport Vehicles

Passenger transport vehicles, including those used to transport NDIS participants, are often seen by insurers as high-risk. This is due to several factors:

• Frequent use and high mileage: These vehicles are often on the road for long hours, increasing exposure to accidents.
• Multiple passengers: The risk of injury claims rises when vehicles carry several passengers, especially those with additional support needs.
• Accessibility modifications: Wheelchair lifts, ramps, and other alterations can make repairs more costly, leading to higher claim values.

For these reasons, many mainstream insurers exclude or heavily restrict cover for passenger transport operations leaving business owners scrambling for suitable options.

Why NDIS Use Makes Insurers Nervous

Vehicles used for NDIS purposes often operate in unique circumstances: frequent short trips, picking up and dropping off participants, and transporting sensitive or expensive equipment. These factors increase the likelihood of wear, tear, and accidental damage.

Some insurers also fear that vehicles used for disability support are more likely to sustain interior damage (for example, from mobility aids or regular loading and unloading). As a result, they classify them as “non-standard commercial risks” meaning they won’t insure them under a standard commercial motor policy.

The Morgan Insurance Brokers Advantage

At Morgan Insurance Brokers, we understand the NDIS sector and the unique challenges that come with insuring vehicles used for disability transport or participant care.

We’re not just another broker; we’re specialists in NDIS Insurance for Providers, and commercial motor insurance. That means we know which insurers are open to covering these types of risks, and we have strong relationships that allow us to:

✅ Source cover for NDIS-related and passenger transport vehicles
✅ Negotiate competitive premiums even for modified or specialist vehicles
✅ Offer comprehensive protection including liability, accidental damage, and downtime cover
✅ Tailor policies for sole traders, community transport operators, and NDIS providers

Whether you operate a single vehicle or manage a fleet, we’ll ensure your business stays protected with the right cover, at the right price.

Don’t Settle for “Uninsurable”

Just because some insurers won’t take on your NDIS or passenger transport vehicle doesn’t mean you’re out of options. With the right broker on your side, you can secure specialised commercial motor insurance that protects your vehicles, passengers, and livelihood.

Morgan Insurance Brokers has the expertise, access, and understanding to help you find cover when others can’t.

Contact us today to discuss your NDIS or commercial vehicle insurance needs and discover how we can keep your business moving safely and confidently.