AAMI offers cover for:
Commercial Motor Insurance
Keep your business moving with cover for commercial vehicles – including cars, utes, trucks and other business vehicles.
Join over 70,000 small businesses that chose AAMI
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COVER types
Choose from three levels of cover
Please note that not all levels of cover are available for all types of vehicles.
OPTIONAL COVERS
Add optional coverage for Comprehensive policies
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Windscreen excess waiver
With this optional cover, you won’t have to pay the basic excess for the first claim you make in any period of insurance for your vehicle’s broken windscreen or window glass. The basic excess will apply for subsequent claims.
This only applies to cars, utes, 4WDs or vans with a carrying capacity of less than 2 tonnes.
Rental vehicle after accident
If your vehicle can’t be driven or needs repair after an event (other than theft) that’s covered under your policy, we’ll pay the cost of hiring a similar replacement vehicle (subject to availability). The most we’ll pay for any one event is $1,500.
This only applies to cars, utes, 4WDs or vans with a carrying capacity of less than 2 tonnes.
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.
Damage to towed vehicles
If your vehicle is a registered tow truck, we can cover loss or damage – caused by an event we cover under the policy – to any vehicle being towed, retrieved or carried by your vehicle. The most we will pay for any one event is $150,000.
This is just a summary – limits, conditions and exclusions apply, so please refer to the PDS for more info.
Call 13 22 44 and get a quote in 3 easy steps
Tell us your industry
What if I work in multiple industries?
If you work across multiple industries or occupations, choose the one that best represents your primary source of income or highest-risk activity.
For example, if you primarily work as a plumber during the week but occasionally take on some handyperson jobs on the weekend, then choosing ‘plumber’ would provide the most accurate reflection of your business.
If you’re unsure, call us on 13 22 44 and we can help.
Tell us your industry and occupation that best describes your business.
Tell us about your business
Revenues
The amount of money you expect to receive over the next 12 months for goods sold, work done and services you provide.
Provide us with your business’s expected annual turnover and where it’s located.
Choose your cover and review
Choose your level of cover, and depending on your vehicle, whether you’d like to insure your vehicle for an agreed value or market value. Then review your quote.
Why people choose AAMI
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AAMI commercial motor Insurance
Frequently Asked Questions
What is Commercial Motor Insurance?
AAMI Commercial Motor Insurance is designed to provide cover for a range of vehicles used for business purposes, including:
- cars, utes and 4WDs
- industrial vehicles like bobcats, mini loaders, forklifts and ride-on mowers
- trailers, including pet grooming trailers and towed woodchippers, and
- trucks with a carrying capacity of up to 5 tonnes.
Whether you have a single or multiple work vehicles, this insurance can help protect you against financial loss from accidents, damage, theft, or liability while using your vehicle for work.
Do I need Commercial Motor Insurance for my business?
If you use your vehicle for business – such as transporting tools, equipment, goods, or employees – you may want to consider Commercial Motor Insurance. This includes tradies, mobile food vans, domestic cleaners and photographers.
Even if you’re using your personal vehicle for business use – like transporting tools or visiting job sites – you may need to consider a commercial policy, as standard personal car insurance may not cover work-related use.
What’s the difference between personal and commercial motor insurance?
Personal motor insurance is designed to provide cover for damage and legal liability during private use – like commuting or recreational driving. It usually excludes cover for business activities.
Commercial motor insurance, on the other hand, caters for business use and typically includes:
- coverage for incidents which happen at a work-site
- broader range of vehicles which can be covered by the policy
- cover for employees driving the vehicle, and
- higher liability limits.
Using a vehicle for business purposes under a personal policy could result in denied claims.
Can I cover multiple vehicles under one policy?
Yes, you can add multiple business vehicles you own under one policy.
What is covered by a Commercial Motor Insurance policy?
This will depend on the level of cover selected for the vehicle under your AAMI Commercial Motor Insurance policy. Not all levels of cover are available for all types of vehicles.
A Comprehensive policy provides the highest level of cover. It includes coverage for:
- accidental loss or damage to your vehicle
- theft and attempted theft
- fire, storm and flood damage, and
- legal liability for damage caused by your vehicle to other people’s vehicle or property.
A Fire, Theft & Legal Liability policy provides cover for:
- fire and theft damage to your vehicle
- legal liability for damage caused by your vehicle to other people’s vehicle or property, and
- limited cover for damage to your vehicle caused by uninsured drivers up to $5,000 or market value (whichever is less). You must show the collision was the fault of the uninsured driver and give us the at-fault person’s name, address and vehicle rego number.
A Legal Liability policy is the most basic level of cover. It includes coverage for:
- legal liability for damage caused by your vehicle to other people’s vehicle or property, and
- limited cover for damage to your vehicle caused by uninsured drivers, up to $5,000 or market value (whichever is less). You must show the collision was the fault of the uninsured driver and give us the at-fault person’s name, address and vehicle rego number.
COMMERCIAL MOTOR INSURANCE
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Have you embraced your entrepreneurial spirit? Turned a brilliant idea or specific skillset into a successful small business? You may wish to consider insuring your micro business.
Owning and operating a business comes with a lot of responsibility. Learn more about why it’s important to cover your business with Public Liability insurance.
AAMI offers cover for:
Liability for damage caused while towing a caravan or trailer
That is, if the loss or damage results from:
- The actions of your caravan or trailer while being towed by your vehicle.
- Your caravan or trailer running out of control after separating from your vehicle while your vehicle is moving, or.
- Another vehicle colliding with or acting to avoid a collision with property being loaded/unloaded or falling from your caravan or trailer while attached to or towed by your vehicle.
Legal Liability
Covers for situations like:
- You accidentally collide with the rear of another vehicle while driving.
- You reverse into a client’s fence while at a worksite and cause property damage.
- Another driver files a legal claim against you after your vehicle caused damage to theirs.
Personal effects
Covers for situations like:
- Your mobile phone is damaged in a car collision.
- Someone breaks into your car and steals your work laptop.
- Your employee’s personal items are damaged in a collision while driving your vehicle.
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 of the same or similar make and model as your 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.
Emergency accommodation
Covers for situations like:
- Your vehicle is unsafe to drive after an accident and you’re over 100 kilometres from home and need a place to stay.
- An employee accidentally damages your vehicle in a collision while more than 100 kilometres from their home and requires emergency accommodation.
- Your vehicle is an unregistered on-site caravan, which is your only home, is damaged and can’t be lived in, and you need alternative accommodation.
What if I work in multiple industries?
If you work across multiple industries or occupations, choose the one that best represents your primary source of income or highest-risk activity.
For example, if you primarily work as a plumber during the week but occasionally take on some handyperson jobs on the weekend, then choosing ‘plumber’ would provide the most accurate reflection of your business.
If you’re unsure, call us on 13 22 44 and we can help.
Show collision was the fault of uninsured driver
You must show that the collision was the fault of the uninsured driver and give us the at-fault person’s name, address and vehicle rego number.
Revenues
The amount of money you expect to receive over the next 12 months for goods sold, work done and services you provide.