Commercial Vehicle Insurance
Commercial vehicle covers everything from a delivery van to a road train, and the class your vehicle falls into decides which insurers will write it, what it costs and which wording applies. Most confusion in this market is about where those lines actually sit.
Quick Quote
60 secondsThe company, trust or individual name the policy goes in.
No obligation. Subject to eligibility and underwriting.
What commercial vehicles insurance covers
Under 3.5 Tonnes: Vans and Utes
Light commercials are rated closest to passenger vehicles and have the widest insurer market. Most private policies still exclude carrying goods for reward, so the use description matters even though the vehicle looks ordinary.
3.5 to 4.5 Tonnes: Light Trucks
The car licence boundary. Fewer insurers, more questions about fit-out and load, and the point at which the vehicle is underwritten as a truck rather than a large van. GVM plating decides it, not appearance.
Above 4.5 Tonnes: Heavy Vehicles
A different market again, with heavy vehicle licensing, Chain of Responsibility obligations and expectations around maintenance records and fatigue. Liability limits step up and the number of insurers steps down.
Combinations and Configurations
Once you are articulated, the combination rather than the vehicle is rated: semi, B-double or road train. Configuration affects both price and which insurers have appetite, and it must be declared if it changes seasonally.
Special-Purpose Vehicles
Concrete agitators, tow trucks, car carriers, mobile cranes and food trucks sit outside the standard classes and are underwritten on their function rather than their mass. Being rated as a generic truck usually means being rated wrongly.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Truckie Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What counts as a commercial vehicle for insurance in Australia?
Is a ute a commercial vehicle?
Does the vehicle class change what I pay?
What if my vehicle is specialised?
Ready to get commercial vehicles covered?
Tell us what you drive in about 60 seconds and we come back to you with options.
Truckie Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).