Protecting your essential business vehicles and transport assets
Whether you operate a single vehicle or a national fleet, your business relies on its transport assets to keep operations moving. Accidents, theft, or breakdowns can cause costly interruptions, which is why Commercial and Heavy Motor Insurance is essential for business continuity and financial protection.
At Network Insurance House, we help businesses of all sizes arrange the most appropriate level of cover for their vehicles, equipment, and operations.
Why Commercial and Heavy Motor Insurance matters
Commercial Motor Insurance
Commercial Motor Insurance provides cover for damage to your vehicles and liability for third-party property damage. It’s ideal for small to medium businesses with vehicle fleets of 10 vehicles or fewer. Cover can include:
- Accidental damage, fire, theft, or vandalism
- Windscreen and glass repairs
- Damage to third-party vehicles or property
- Replacement of vehicles following a total loss
- Optional breakdown or towing cover
Suitable for a wide range of vehicles including:
- Cars and vans
- Goods transporters
- Caravans and trailers
- Forklifts and loaders
- Tractors and dumpers
Motor Vehicle Fleet Insurance
For businesses operating 10 or more vehicles, Motor Vehicle Fleet Insurance provides a flexible and efficient way to manage your vehicle cover under one policy. Fleet policies can be tailored to include a variety of vehicle types and usage classes, with benefits such as:
- Agreed or market value options
- Comprehensive or third-party cover
- One renewal date for the entire fleet
- Centralised claims and policy management
- Optional extensions for downtime, hire vehicles, or accessories
Heavy Motor Insurance
Heavy Motor Insurance is designed to protect businesses operating large or over-size vehicles, plant, and transport equipment. Cover can be customised for industries such as logistics, construction, agriculture, and earthmoving. Cover options can include:
- Damage to owned heavy vehicles and trailers
- Liability for damage to third-party property
- Recovery and towing costs after an accident
- Cargo or load protection (optional)
- Cover for plant and equipment used on-site or on public roads
What happens if I have a claim
We are your advocate at claims time. We work for you and seek the most appropriate claims outcome based on your coverage.
- We collect and prepare all claims information with you.
- We liaise directly with the insurer on your behalf.
- We work to secure a fair and timely resolution.
- We reduce stress by managing the process with clarity, confidence, and professionalism.
Keep your business moving
Whether you operate a few commercial vehicles or manage a heavy transport fleet, we will help protect your business against costly disruptions. Contact us today to discuss a tailored Commercial and Heavy Motor Insurance solution.
Frequently Asked Questions
- What is the difference between Commercial Motor Insurance and Fleet Insurance?
Commercial Motor Insurance is typically suited to businesses with 10 vehicles or fewer. Fleet Insurance is designed for businesses with larger vehicle fleets and provides flexibility by covering multiple vehicle types and classes under a single policy.
- Does my policy cover hired or leased vehicles?
Many policies can include cover for hired or leased vehicles, but this will depend on your insurer and policy type. We can help you arrange the most appropriate cover for your business operations.
- Are drivers automatically covered under the policy?
Most commercial and fleet policies allow for any licensed driver to operate your business vehicles, subject to policy terms and any listed driver conditions.
- What types of vehicles can be insured?
We can arrange cover for a wide range of commercial and heavy vehicles, including cars, vans, utes, trucks, forklifts, tractors, dumpers, trailers, and earthmoving equipment.
- Does Heavy Motor Insurance include cover for goods or cargo?
Cargo or load protection is not always included automatically but can often be added as an optional extension to your policy. We can help tailor your insurance to include the cover you need.
