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.
    

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