Commercial Motor Insurance

A vehicle being out of action shouldn’t mean your business is as well. Vero’s Commercial Motor Insurance can help you get back on the road.

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Commercial Motor

Insurance that works for your business

What happens if a commercial vehicle your business depends on is damaged or stolen? You want insurance that gets you back on the road ASAP.

If you have less than 15 commercial vehicles
Commercial Motor Insurance is available to you as either a standalone product or as part of your Vero SME insurance package.

If you have more than 15 commercial vehicles
Vero offers vehicle insurance for businesses with larger vehicle fleets under Commercial Motor Fleet Insurance.

Compare Commercial Motor Insurance covers

Comprehensive cover

What’s covered / included?

Theft or loss of, or damage to, your vehicle.
Your choice of repairer option.
Legal liability up to $50 million.
Lifetime guarantee for repairs- .

If Vero authorises your vehicle repairs, we guarantee them against any defect due to workmanship or faulty material for the life of your vehicle.

What’s not covered?*

Loss of, or damage to, tyres caused by punctures, bursts, road cuts or the application of brakes.
Vehicle accessories other than those specified by the manufacturer or detailed in your schedule or PDS.

Extra and Optional Covers

Only available with Comprehensive Cover

New vehicle replacement
Personal effects
Personal accident
Reasonable costs of emergency repairs, travel and accommodation
Removal of debris

Vehicle modifications
Reasonable costs of towing or storing a vehicle when it can’t be driven
Use of a hire vehicle for up to 30 days
Lease payout (up to 20 percent of your vehicle’s market value).

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*For full details including exclusions, conditions and limits, read the Product Disclosure Statement (PDS).

Legal Liability, Fire and Theft cover

What’s covered / included?

Loss of, or damage to, your vehicle caused by fire, explosion or lightning.
Loss of, or damage to your vehicle caused by theft or attempted theft.
Loss of, or damage to, your vehicle caused by uninsured drivers (up to $5,000) .

You’re covered for damage up to $5,000 if your vehicle is involved in a collision with an uninsured vehicle. You must be able to provide details of the other driver and vehicle and the uninsured driver must be at fault for the collision.

Legal liability up to $50 million.

What’s not covered?*

Vehicles registered in the Northern Territory (NT).
Loss of, or damage to, property you own.

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*For full details including exclusions, conditions and limits, read the Product Disclosure Statement (PDS).

Legal Liability

What’s covered / included?

Legal liability up to $50 million.
Loss of, or damage to, your vehicle caused by uninsured drivers (up to $5,000).

You’re covered for damage up to $5,000 if your vehicle is involved in a collision with an uninsured vehicle. You must be able to provide details of the other driver and vehicle, and the uninsured driver must be at fault for the collision.

What’s not covered?*

Vehicles registered in the Northern Territory (NT).
Personal injury to anyone who was your employee at the time of the event.
Loss of, or damage to, property you own.

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*For full details including exclusions, conditions and limits, read the Product Disclosure Statement (PDS).

Why Choose Vero?

Flexible policy negotiations

Vero offers a wide range of tailored benefits designed to support business needs. This includes customised endorsements, claim management, pricing and risk mitigation strategies.

Our Motor Repair network

Vero partners with hundreds of quality repairers around Australia all backed by our Lifetime Repair Guarantee.

View the Motor Repair network

Industry leading insights

Discover the Vero SME Insurance Index report – packed with independent, in-depth research to give you a better understanding of evolving market trends, SME attitudes, needs and buying behaviours.

Commercial Motor Useful Documents

Access the latest Commercial Motor brochures and forms or view the policy documents.

Frequently Asked Questions

Why do I have to use a broker?

Vero offers products exclusively through insurance brokers and authorised agents because we believe impartial, specialist advice is crucial when it comes to selecting business insurance.

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What type of vehicles does Commercial Vehicle Insurance cover?

Vero Commercial Vehicle Insurance can cover:

Cars
4WDs
Utes
Vans
Trailers
Rigid body trucks

What are my options if my commercial vehicle is over 10 tonnes?

Vero offers insurance cover for heavy vehicles up to 10 tonnes.

For commercial vehicles over 10 tonnes – such as trucks, carriers, building equipment and other heavy vehicles – consider Heavy Vehicle Insurance from our insurance partner National Transport Insurance (NTI).