Commercial Vehicle Insurance for Construction Businesses

Commercial Vehicle insurance (also known as Commercial Motor insurance) can cover your motor vehicle against accidental damage and theft.

Depending on your circumstance and how you use your vehicle or vehicles Be Covered can tailor a policy providing cover for:

Director’s vehicle insurance
Motor Fleet insurance – covering everything from 2 vehicles all the way up to 100+
Heavy vehicle insurance

Did You Know?

47,803 motor vehicles were stolen in the 2020/21 financial year.

(Theft Watch, 12 months to June 2021, National Motor Vehicle Theft Reduction Council)

CLAIMS

Collisions, windscreen damage and storm/hail damage are the most common reasons for car insurance claims.

(QBE Personal Lines claims for car insurance, 1 January to 31 October 2021)

22,001 domestic motor claims were lodged following the floods in South-East Qld and NSW in early 2022.

(Insurance Council of Australia, Historical Catastrophe Data, April 2022)

What Can Be Covered
Do for You?

Being part of the Steadfast group, means Be Covered has access to the exclusive Steadfast motor insurance policy provided by most insurers which provides you with extensive protection if your vehicle suffers loss or damage. The exact cover you can receive depends on the policy that you take out and whether or not a Steadfast policy is most suited to you. Areas Be Covered take into consideration when looking at the right insurance for you is;

Potential
benefits

Do you require hire car cover following an at fault claim?
Is New for Old replacement important to you?
Do you require cover for signwriting and additional accessories like racking?
Is Excess Free Windscreen Replacement important to you?
How will the vehicle be used? Is it going on-site carrying materials or a director’s vehicle used to cart the kids around on the weekend?

Each Commercial Vehicle insurance policy is different with one policy automatically including cover for signwriting and excess free windscreen replacement whereas another may not. So whether you are buying a new vehicle or looking to make sure you are getting the best deal on your current program – contact the experts at Be Covered.

Common Questions Answered

What does this cover?

Damage, theft, and third-party liability for vehicles used in your business, including utes, vans, and trucks.

Are tools inside covered?

Some policies offer minimal cover for tools stored in a vehicle, but this is often limited and subject to strict conditions. For proper protection, it's best to take out a standalone Tool Insurance policy with theft and damage cover.

Can I insure signage?

Yes. Vehicle signage can be covered if declared upfront. While some policies include a small signage benefit, it's always best to disclose any signage so we can ensure the right level of cover is in place.

If I have a claim and I’m not at fault, who pays the excess?

You may still need to pay the excess upfront depending on the insurer, even if you're not at fault. However, if the other party is clearly identified and accepts liability, your insurer may recover the costs and refund your excess.

Can anyone drive my vehicle?

Most commercial vehicle policies allow for open driver cover, meaning anyone with a valid licence can drive the vehicle. However, the main driver must be noted on the policy, and any regular drivers under 25 must be specifically listed to avoid additional excesses or claim issues.

We Have the Building Industry Covered

Specialist Construction & Building
Insurance Broker

Be Covered are a construction and building insurance expert and can assist you with covering one off director’s prestige vehicles all the way up to your motor fleets covering everything from utes to bobcats.