Coverage

What’s covered by
AAMI Commercial Motor Insurance

The following types of vehicles

  • Cars, including utes and 4WDs.
  • Industrial vehicles like bobcats, mini loaders, forklifts and ride-on mowers.
  • Trailers, including pet grooming trailers and towed woodchippers.
  • Trucks with a carrying capacity of up to 5 tonnes.

Coverage is not available for some vehicle types. Please contact us for more information.

Choose from 3 levels of cover

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New vehicle after total loss

This cover applies when:

  • your vehicle is insured for Comprehensive Cover and isn’t insured for agreed value
  • your vehicle is a motorcycle, car, 4WD utility or van of not more than 2 tonne carrying capacity, trailer or rigid body truck, and
  • your vehicle is a total loss because of the event.

We’ll replace your vehicle with a new replacement vehicle, provided that:

  • a replacement vehicle must be available;
  • you’re  the first registered owner or you purchased the vehicle as an ex demo from a licensed motor dealer who was the first registered owner;
  • the total loss occurred less than two years from the date of original registration of your vehicle; and
  • anyone who financed your vehicle provides us with written consent.*

Exclusions and limitations apply. Please read the PDS for more info.

Comprehensive

What's Included?

  • Up to $50 million legal liability.
  • Costs incurred by the attendance of emergency services at the site of an incident.
  •  Liability for damage caused by caravans or trailers you’re towing.
  • Damage caused to your car by fire or attempted theft.
  • Theft of your car.
  • Accidental damage to your car.
  • New vehicle after total loss.
  • Lease payout.

Fire, Theft & Legal Liability

What's Included?

  • Up to $50 million legal liability.
  • Costs incurred by the attendance of emergency services at the site of an incident.
  • Damage by uninsured drivers (up to $5,000)
  • Liability for damage caused by caravans or trailers you’re towing.
  • Damage caused to your car by fire or attempted theft.
  • Theft of your car.

Legal Liability

What's Included?

  • Up to $50 million legal liability.
  • Costs incurred by the attendance of emergency services at the site of an incident.
  • Damage by uninsured drivers (up to $5,000)
  • Liability for damage caused by caravans or trailers you’re towing.

Optional Covers for Comprehensive Policies

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Windscreen excess waiver

With this optional cover, you won’t have to pay an excess for the first claim for broken windscreen or window glass you make in any period of insurance. The basic excess will apply for subsequent claims.

This only applies to cars, utes, 4WDs or vans with a carrying capacity of not more than 2 tonnes.

Rental vehicle after accident

If your vehicle can’t be driven after an event for which you’ve made a claim, we’ll pay the cost of hiring a replacement vehicle that’s similar to yours.

The most we’ll pay for one event is $1,500.

Protected No Claim Bonus

With this optional cover, a claim that would otherwise affect your no claim bonus will not do so – provided you haven’t made a previous claim within the same period of insurance for the same vehicle.

This is just a summary – limits and exclusions apply. For more info please refer to the PDS or get in touch on 13 22 44.

New vehicle after total loss

This cover applies when:

  • your vehicle is insured for Comprehensive Cover and isn’t insured for agreed value
  • your vehicle is a motorcycle, car, 4WD utility or van of not more than 2 tonne carrying capacity, trailer or rigid body truck, and
  • your vehicle is a total loss because of the event.

We’ll replace your vehicle with a new replacement vehicle, provided that:

  • a replacement vehicle must be available;
  • you’re  the first registered owner or you purchased the vehicle as an ex demo from a licensed motor dealer who was the first registered owner;
  • the total loss occurred less than two years from the date of original registration of your vehicle; and
  • anyone who financed your vehicle provides us with written consent.*

Exclusions and limitations apply. Please read the PDS for more info.

What is Commercial Motor Insurance?

Vehicles are a key asset for a wide range of businesses. A tradie might rely on a ute, a mobile dog groomer on a specialised van, a fast food business on a food truck — just to name a few examples. AAMI Commercial Motor Insurance can help businesses stay on the road by offering cover for those vehicles  - limits and exclusions apply, please read the PDS for more information.

How do I get Commercial Motor Insurance?

If you’d like to take out a standalone Commercial Motor Insurance policy, give us a call on 13 22 44.

If you’d like to take out a Business Insurance policy that includes Commercial Motor Insurance among other coverage types, you can get a quick quote online.

Get a Business Insurance quote