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Keep Your Business Moving with Commercial Vehicle Insurance
Commercial Motor & Fleet

Keep Your Business Moving with Commercial Vehicle Insurance

Vehicles drive your revenue. Protect your fleet, drivers, and cash flow against unexpected accidents on Australian roads.

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140+ Insurers ComparedSteadfast Network MemberSame-Day CoC in Most Cases

Need an Urgent Certificate of Currency (CoC) Today? We prioritize worksite inductions, commercial leases, and tender deadlines with prompt same-day turnaround in most cases once cover is confirmed.

Who Needs Commercial Vehicle Insurance?

Essential for anyone operating a single work vehicle or a commercial fleet. At-fault accidents create double financial stress: repairing your own vehicle and paying for third-party property damage. Comprehensive cover absorbs these costs to minimize downtime.

Light Commercials

Sales cars, trade utes with gear, and town delivery vans.

Heavy Transport

Freight trucks, tippers, and prime movers.

Specialised Machinery

Heavy mobile plant, forklifts, excavators, and earthmovers.

Australian trade utility vehicle and delivery fleet on commercial assignment

Protecting trade utes, heavy transport, delivery vans, and specialized mobile plant nationwide.

Coverage Scope

Commercial Vehicle Insurance Coverage

Designed to help reduce gaps in your cover and support your business continuity.

Commercial Vehicle Insurance Coverage

Third-Party Damage

Covers repair costs for other vehicles or property if your driver is at fault.

Vehicle Repairs & Replacement

Financial support to repair your vehicle, or pay out its value if stolen or written off.

New Vehicle Replacement (Subject to Policy)

Some policies replace written-off vehicles with a brand-new same make/model (e.g. if within 2–3 years of first registration, depending on the insurer).

Rental Car After Accident (Optional)

Optional cover for a temporary hire vehicle while yours is being repaired so operations don't stop (subject to policy conditions).

Legal Liability Cover

Handles legal defense costs and court compensation claims arising from a road accident.

Re-keying & Re-coding

Covers expenses to replace and re-code stolen keys or locks.

Commercial vehicle roadside protection and fleet damage coverage

Comprehensive accidental damage, third-party liability, replacement vehicle, and downtime solutions.

100% Policy Transparency

What Isn't Covered? (Policy Exclusions)

Every policy has exclusions and limits. Your Lesure broker will walk you through the key ones in your PDS before you buy, so you know where you stand.

Standard Policy Exclusions & Boundaries

Circumstances typically requiring separate extensions or policies

  • Unlicensed / Impaired Driving: Drivers lacking a valid licence, or driving under the influence of drugs or alcohol.
  • Wear & Tear: Routine mechanical failures, electrical faults, or normal tire wear (falls under regular maintenance).
  • Excess & Limits: Agreed excesses apply per claim, and payouts are subject to set policy limits.

The Lesure Advantage

Why We're Different

Broker advice backed by the Steadfast network and decades of underwriting experience.

Steadfast Network Leverage

Steadfast Network Leverage

Access Steadfast policy wordings and compare options from 140+ insurers.

Bespoke, Tailored Precision

Bespoke, Tailored Precision

Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.

Fast Claims Support

Fast Claims Support

End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.

Transparency & Bilingual Support

Transparency & Bilingual Support

Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.

Custom Fleet Guidance

Every fleet and every trade is unique. Policy limits and optional extras can be adjusted to perfectly fit your budget and risk profile. Get in touch with the Lesure team today, and let’s design a tailored protection plan that makes sense for your business.

Common Inquiries

Frequently Asked Questions

It is highly recommended. Standard private car insurance in Australia usually only covers your daily commute to a single workplace or social driving. If you are using your vehicle for work, upgrading to a dedicated business car insurance policy ensures you are fully protected. Otherwise, if you have an accident while delivering stock, carrying trade tools to a job site, or visiting multiple clients, your private insurer may decline your claim for using the vehicle outside its registered purpose.
While business car insurance is typically tailored for regular passenger cars or sedans used for business travel (like visiting clients or driving between offices), commercial vehicle insurance offers broader protection. It is designed to cover heavy-duty work vehicles, transport trucks, specialized machinery, or vehicles set up for delivery and trade purposes. At Lesure, we can help you determine which coverage best fits your specific business setup.
Think of an excess as your financial contribution to a claim. It’s the fixed amount you agree to pay upfront towards a claim before the insurance company covers the remaining repair costs. For example: If your excess is set at $500 and the smash repairs cost $3,000, you pay the $500 and the insurer takes care of the remaining $2,500. Your excess amount depends on factors like the age of your drivers (drivers under 25 usually carry a higher age excess) and your claims history.
Yes, but this is typically an Optional Extension you need to add to your policy. If your business relies entirely on being mobile (like a delivery van or a tradesperson's ute), you should definitely tell your Lesure broker to add Rental Vehicle after Accident cover. This ensures the insurer covers the cost of a hire vehicle while yours is in the repair shop.
Standard commercial vehicle insurance only covers the actual vehicle and its fixed accessories (like bull bars or roof racks). The expensive trade tools, stock, or laptops left in the back or cabin are not automatically covered. However, you can easily add a Tools of Trade extension to protect your equipment against theft following a forced break-in.
If your business operates 3 or more vehicles, your best bet is to bundle them into a Fleet Insurance policy. Not only does this make life easier with one renewal date and less paperwork, but some insurers may offer better rates for fleet policies compared to insuring cars one by one.
No, it doesn't. CTP (or a Green Slip in NSW) is legally mandated by the government when you renew your registration (Rego) and strictly covers personal injury or death to other people in an accident. Commercial vehicle insurance is a separate policy that protects the material side of things—covering the physical damage to your own vehicle and your liability for damaging someone else's car or property. You need both to be fully legal and protected.
Lesure Insurance - Keep Your Business Moving with Commercial Vehicle Insurance policy review and quote
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Contact Lesure today for an obligation-free commercial vehicle policy review and competitive quote across 140+ insurers.

Call: (03) 7303 7504