AAMI offers cover for:

  • 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
  • And more!

Commercial Motor Insurance

Keep your business moving with cover for commercial vehicles – including cars, utes, trucks and other business vehicles.

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Join over 70,000 small businesses that chose AAMI

COVER TypES

Choose from three levels of cover

AAMI offers cover for:

  • 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

Please note that not all levels of cover are available for all types of vehicles.

OPTIONAL COVERS

Add optional coverage for Comprehensive policies

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.

What if I work in multiple industries?

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

Trusted since 1969

We’ve been helping Aussies for over 55 years.

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Flexible payments

Pay monthly at no extra cost.

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Chat with us easily on the AAMI App

Get support without waiting by the phone.

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AAMI commercial motor Insurance

Frequently Asked Questions

COMMERCIAL MOTOR INSURANCE

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AAMI offers cover for:

  • 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
  • And more!

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.

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.