Commercial Vehicle Insurance - Truck Insurance HQ
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What is Commercial Vehicle Insurance?


Most business-use cars, such as sedans, utes, vans, lorries, forklifts, and trailers,
are covered by commercial vehicle insurance, sometimes referred to as business vehicle insurance or business car
insurance. Truck Insurance HQ Commercial Motor Vehicle Insurance is designed to cover your commercial vehicles and
get you back on the road. It may be purchased as a stand-alone Commercial Vehicle product that covers up to 14 cars
under one policy, or as part of a package inside your company insurance.

 

Why do you need Commercial Vehicle Insurance?


If you are the vehicle business owners or even you have to commute everyday, you should
buy Commercial Vehicle Insurance to cover the damage comes from accidents that may happen on the road, or your
vehicles may be stolen 

 


Buying commercial vehicle insurance at Truck Insurance HQ may be beneficial for the one
who are frequently do those activities:

  • Clients visit (for sale people) 
  • Delivery products or food

  • Trucks are used for house
    moving 
  • Transportation of equipment

What does Comprehensive Commercial Vehicle Insurance cover?

  • Loss and Damage


Covers the cost of replacing or repairing your car in the case of certain calamities,
such as fire, hail, flood, storm, or earthquake damage; theft; or intentional damage. Based on the insurance you’ve
chosen for your vehicle/s, we’ll pay the market value or agreed value sum insured. 

  • Cover third-party Property


Covers the amount you’re legally obligated to pay (up to $30 million) as compensation
for property loss or damage caused by a motor vehicle accident involving your car. If a loss occurs when
transporting risky products, coverage is restricted to $5 million.

  • Personal Property


Coverage for personal goods taken from your secured car or stolen at the same time as
your vehicle if it is damaged in an accident. Any one accident or theft is covered up to $1,000. Personal items
belonging to the vehicle’s custodian are covered.

  • Personal property


Coverage for personal goods taken from your secured car or stolen at the same time as
your vehicle if it is damaged in an accident. Any one accident or theft is covered up to $1,000. Personal items
belonging to the vehicle’s custodian are covered.

  • New Vehicle Replacement


If your vehicle is declared a total loss within two years of its original registration
date, we may replace it with a new one of the same make, model, series, and accessories (subject to local
availability, if available in Australia, and with the approval of any financier where applicable).

 


The sedan, station wagon, four-wheel drive, panel van, utility, or goods-carrying
vehicles covered by the new-for-old replacement vehicle cover have a specific gross vehicle mass.

What does Fire and Theft cover?

  • Loss and Damage to your vehicle


    • Covers the cost of replacing or
      repairing your car in the case of one of the following events: fire, lightning, explosion, theft,
      unlawful conversion, or damage caused by an uninsured third party. Up to $5,000, whichever is
      less.

 

  • Damage to Other Property


    • Covers the amount you’re
      legally obligated to pay (up to $30 million) as compensation for property loss or damage caused by a
      motor vehicle accident involving your car. If a loss occurs when transporting risky products,
      coverage is restricted to $5 million.

What third party property damage cover?


  • Covers the amount you’re legally
    obligated to pay (up to $30 million) as compensation for property loss or damage caused by a motor vehicle
    accident involving your car. If a loss occurs when transporting risky products, coverage is restricted to $5
    million.

  • Provides $5,000 worth of coverage, less
    any applicable excesses, for damage to your car resulting from a collision with an uninsured car whose
    driver is at fault.

  • If you can provide us with the name and
    contact information of the at-fault party, the license plate number of the other car, or any other facts
    that would logically enable us to identify the individual, coverage will be provided.

What’s NOT covered in Commercial Vehicle Insurance?

  • Damages that happened before


    • The price of fixing harm that
      has already been done to your car.
  • Drivers who are impaired


    • If the motorist is impaired by
      or under the influence of any drug or alcohol, there is a risk of damage, loss, or injury.

  • Legal liability claims that have
    already been addressed


    • Legal responsibility claims for
      death or physical harm that aren’t covered by any statutory or mandatory insurance, compensation
      plan, or fund.
  • Existing legal liability claims


    • Legal claims made against you
      for death or physical harm that is in any manner covered by a statutory or required insurance,
      compensation plan, or fund.

Still unsure which type of Commercial Vehicle Insurance is right for your business?
Compare our three levels of cover.

Benefit of Choosing Commercial Vehicle Insurance at Truck Insurance HQ 


  • A variety of choices of Insurance
    Coverage
  • Fast and easy claim 
  • (Pay Monthly) 
  • Fast and Easy Claim 
  • Choices of Repairers

 

FAQ for commercial vehicle insurance

(Make a form/card for them to click on (enhance the engagement)) like this


  1. Which vehicle is considered
    commercial?

  • A commercial vehicle is any vehicle
    that you employ for business purposes, including automobiles, trucks, and vans.

  1. How much is commercial vehicle
    insurance at Truck Insurance HQ?

  • There are several variables that
    influence the cost of Commercial Vehicle Insurance, including:


    • There are several variables
      that influence the cost of Commercial Vehicle Insurance, including:

    • Where is the automobile
      parked?

    • Experience/history of
      driving

    • Accidents and claims
      history

    • Vehicle type and condition, as
      well as accessories and alterations

    • Excess coverage, as well as the
      type and quantity of coverage necessary

Compare Commercial Vehicle Insurance

Still unsure which type of Commercial Vehicle Insurance is right for your business? Compare our three levels of cover.

Comprehensive cover

Fire and Theft cover

Third Party Property Damage cover

Loss or damage to your vehicle

Events: accidental damage including damage caused by fire, hail, flood, storm, earthquake; or theft, or malicious damage Market value or sum insured, whichever is the lesser; or agreed value

Events: fire, lightning, explosion, theft or illegal conversion or damage as a result of an accident caused by an uninsured third party Up to $5,000

See Damage by uninsured motorists

Damage to third-party property

Up to $30 million

Up to $30 million

Up to $30 million

New vehicle replacement

Up to $30 million

Damage by uninsured motorists

Up to the insured sum

Up to $5,000

Up to $5,000

Hire costs following fire and theft

Emergency vehicle hire

Up to $100 per day for up to two consecutive days

Personal property

$1,000 for any one accident or theft event

Unspecified accessories

$5,000 for any one event

Tools of trade

$1,000 for each event

Sign writing

$5,000 for each event

Towing

$5,000

Optional benefit: hire costs following an accident

Up to 42 days or $3,000 per vehicle

Contact Us

1300 815 344



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