Commercial Motor Vehicle Insurance

Protecting Your Business Vehicles
Commercial Motor Vehicle Insurance
Protecting Your Business Vehicles
commercial fleet insurance broker

What is Commercial Motor Vehicle Insurance?

Commercial Vehicle Insurance is designed to cover vehicles that are used for business purposes. At Cowden, we help you to choose the right insurance that’s affordable, flexible and offers all the protection you need to keep your business running smoothly.

Commercial Fleet Insurance is typically designed to cover ten or more company vehicles used for business purposes. This insurance covers multiple vehicles under a single policy, providing a cost-effective and efficient solution to protect your vehicles. Whether it’s a fleet of trucks, light or heavy excavators and loaders, trailers, buses or cars of any size or combination, we’re here to help you find the right insurance for your needs.

Why do I need Commercial Vehicle Insurance?

Commercial Vehicle Insurance is essential for mitigating potential losses and safeguarding your assets and operations. It guards against financial losses due to accidents, thefts or vandalism, aids business continuity and allows for simplified administration.
Financial Protection

Accidents and unforeseen events can lead to significant financial losses. Commercial Motor Fleet Insurance protects your business from expensive repair costs, legal expenses, and compensation claims. It also eliminates the need for multiple policies and streamlines the administrative process, making it more affordable for businesses to protect their entire fleet.

Downtime Cover

In the event of an accident or theft, one or more of your vehicles may be out of commission for an extended period. This is an income protection style cover that allows you to choose your own weekly benefit amount and duration of cover. You tailor the cover to suit your needs; it can assist in hiring a replacement vehicle or meeting financial commitments.

Comprehensive Coverage

Commercial Motor Fleet Insurance offers comprehensive coverage, protecting your vehicles against various risks such as accidents, theft, fire, vandalism, and third-party liabilities. This all-inclusive policy ensures your business isn’t out-of-pocket in the event of unexpected accidents (policy deductible/excesses may apply).

Simplified Administration

Managing a fleet of vehicles can be complex, but the administrative burden is reduced with Fleet Insurance that’s tailored to your company’s needs. With a single policy covering all vehicles, you can easily add or remove vehicles as your fleet size fluctuates, making it convenient and hassle-free.

Why choose us as your Commercial Vehicle Insurance Broker

With a legacy spanning over five decades since our establishment in 1972, our expertise in providing Commercial Motor Fleet Insurance is unmatched. Trusted by thousands of businesses across Australia, we have consistently proven our commitment to delivering tailored insurance solutions to companies operating fleets of vehicles.
We understand the insurance needs of businesses operating vehicles and use our specialised knowledge to customise your policy to meet your company’s needs. At Cowden, we have an established network of trustworthy insurance providers consistently delivering affordable policies to our clients.

When you choose Cowden as your Commercial Motor Fleet Insurance broker, you can rest assured that your business vehicles are fully protected.
50 Years Industry Experience

Our longstanding history has allowed us to develop strong relationships with underwriters, and our experience positions us to have unparalleled insights into the Commercial Motor Fleet landscape. Empowering us to research the market, and deliver competitive rates and packages.

Customised Solutions

We understand that a one size fits all approach won’t work when it comes to insuring your fleet. Our experienced brokers will take the time to review your individual circumstances, ask the right questions, identify relevant risks and ensure you understand the options in front of you.

Dedicated Broker

We will assign you a dedicated broker that you can contact in regards to your insurance policy. Our team of experienced professionals will get to know your business, your current outlook and plan for the future with you - ensuring a strong relationship between broker and client.

Claims Management

Our brokers are experienced in claim management and are always ready to help ease this burden for you. If there’s an accident with your vehicles, our brokers will guide you through the process to lodge a claim.

What Does Commercial Vehicle Insurance Cover?

Commercial Motor Fleet Insurance offers a comprehensive solution for businesses operating a fleet of vehicles. This type of insurance typically includes the following coverage.
Protects against accidental damage, theft, fire, vandalism, and weather-related damages. It covers your vehicles and any third-party vehicles involved in an accident.
Provides cover for hiring replacement vehicles when a comprehensively insured vehicle is temporarily out of commission as a result of damage or loss of the insured vehicle.
Safeguards you from additional costs that arise for the cost of recovering or towing the vehicle as a result of damage to your fully insured vehicle.
Protects your business from legal liabilities caused by a motor vehicle accident resulting in third party property damage.
Ensures your business is protected even when your vehicle is involved in an accident with an uninsured or underinsured third party driver.
Cowden Insurance Brokers
Trusted by Thousands

Our ability to consistently find the correct solution based on our clients needs has built the trust and loyalty that thousands of Australians have in us.

50 Years of Experience

Cowden Limited was founded in 1972 and through growth and acquisition has become a major force in the Australian insurance market.

Strong Referral Record

95% of new business is by-way-of referrals from our satisfied clients.

Safeguard your Business

We use cutting-edge technology to give you the most cost effective insurance solution.

We are Licensed Insurance Advisors

Along with our 50 years of experience, we hold an Australian Financial Services Licence.
Providing you with peace of mind that we have proven and authoritative service.

We've got you Covered

With offices in Perth, Adelaide, Melbourne and Sydney, we will find the solution for your insurance needs.

Hear What Our Clients Have to Say
Frequently Asked Questions
Commercial Motor Fleet Insurance is suitable for businesses of all sizes and industries that own and operate a fleet of vehicles. Whether you have a small fleet of commercial trade vehicles or a large fleet of trucks, this insurance is designed to meet your specific needs.
Yes, Commercial Motor Fleet Insurance offers flexibility and customisation. Our expert insurance brokers work closely with you to understand your business requirements and tailor the coverage to suit your specific fleet composition and operational risks.
Getting started is simple. Contact our experienced team of insurance brokers to discuss your fleet's needs and receive a personalised quote. We’ll guide you through the process, help you choose the right coverage, and give you peace of mind knowing that your business fleet is well-protected.
At your first opportunity contact us. If you’ve misplaced your broker’s contact information, you can locate it on our website’s location page. We will be there every step of the way. We will help you notify the insurer, collate and submit the right paperwork and see it through to the end of the claim.
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For our existing clients, please contact your broker directly. Refer to our location pages for their contact details.