What is Fleet Motor Insurance?
Fleet motor insurance provides protection for businesses that operate multiple vehicles. In Australia, this type of insurance is designed to cover cars, vans, utes, and trucks under a single policy, making it easier to manage and more cost-effective than insuring vehicles individually. It ensures business vehicles remain protected against accidents, theft, and liability while on the road.
What Does Fleet Motor Insurance Cover?
Typical features of fleet motor insurance Australia include:
Types of Fleet Motor Insurance in Australia
Comprehensive Fleet Cover
Covers damage to your own vehicles as well as third-party liability. This is the most complete form of fleet motor insurance Australia and is suited to businesses with high-value fleets or those that rely heavily on their vehicles for operations.
Third-Party Fleet Insurance
Provides cover for damage your fleet vehicles cause to other people’s property. This is often chosen by businesses with lower-value vehicles where protecting against liability is the main priority.
Third-Party Fire and Theft Fleet Insurance
A middle-ground option covering liability, theft, and fire damage. It’s a practical choice for businesses seeking essential protection without the higher cost of comprehensive cover.
Heavy Motor Fleet Insurance
Tailored for businesses operating trucks, buses, or heavy vehicles. This cover accounts for the higher risks associated with heavy motor fleets, including goods in transit, breakdown assistance, and higher liability exposure.
Why Consider Fleet Motor Insurance?
For many businesses, vehicles are essential to daily operations. Managing multiple policies can be complex, and unexpected incidents can cause significant disruption. Fleet motor insurance Australia provides a simple solution by offering:
