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Commercial Motor Insurance

If your business depends on a reliable set of wheels – be it a zippy hatch, a trusty ute or a light truck – you want to know it’s protected both on and off the road.

While we can’t put fuel in the take or air in the tyres, our commercial motor insurance solutions are designed to take the worry out of running a single work vehicle or a fleet of vehicles of up to five tonne carrying capacity.

You can choose between Comprehensive or Legal Liability cover, with benefits such as:

  • Up to $30 million cover for liability and legal costs for damage to other people's property
  • Choice of repairer
  • 24 hours claims service
  • Monthly premium payments to assist with your cash flow. It costs more for pay by the month

We also understand that in your business, reliability is everything. With our 24-hour emergency claims assistance, we’ll do everything we can to get you back on the road as soon as possible.

What it is

Resilium commercial motor insurance provides cover for:

  • Cars
  • 4WDs
  • Utilities
  • Vans
  • Trucks less than 5 tonnes carrying capacity and
  • Certain light mobile plant and equipment.

Your cover options

You can choose between Comprehensive and Legal Liability cover.

Comprehensive cover includes:

  • Accidental loss or damage to your motor vehicle
  • Guarantee for authorised repairs against any defect due to workmanship or faulty material for the life of the insured vehicle
  • 2 year new for old replacement if you are the first registered owner for certain vehicle types
  • Hire vehicle after theft
  • Lease payout on vehicles where the amount owing under a lease is greater than the vehicle total loss amount (additional amount capped based on vehicle type)
  • Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs to a maximum of $30 million (provided Compulsory Third Party does not apply)
  • Australia-wide claims service
  • Personal accident from an event, up to $5,000
  • Emergency repairs, travel and accommodation
  • Towing and storage costs
  • Removal of debris, up to $25,000 for non dangerous goods
  • Cover for locks and keys
  • One annual payment or pay by the month
  • No excess if you are not at fault and you can identify the person at fault
  • Personal effects stolen/damaged in an event involving your vehicle (up to $1,000 per event)

Legal Liability cover includes:

  • Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs, to a maximum of $30 million (provided Compulsory Third Party Insurance does not apply)
  • Your legal liability for property damage or personal injury as a result of the insured vehicle carrying dangerous goods, to a maximum of $1,000,000 (we may allow this limit to be increased to a maximum of $5,000,000, subject to payment of an extra premium)
  • Up to $5,000 for damage to the insured vehicle caused by an uninsured driver, if you don't have Comprehensive cover and you are able to identify the driver responsible and their vehicle

Get Commercial Motor Insurance

We can’t change the tyres or the oil, but we can take the worry out of running a commercial vehicle or fleet. Your Resilium Adviser can tailor an insurance solution that’s a great fit for you and your wheels.

If you’d like to have a chat, simply enter your postcode in our Adviser Locator and find a Resilium Adviser in your local area.

Insurance issued by AAI Limited ABN 48 005 297 807 trading as GIO. Please read and consider the Commercial Motor Product Disclosure Statement before you make any decisions about this product. This information does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider, with the assistance of your Resilium Adviser, whether it is appropriate in light of your particular objectives, financial situation and needs.

Why Speak to an Adviser?

  • Tailored expert advice with your best interests at heart
  • Get the right Resilium Insurance suited to your needs
  • Personalised service from quotes to claims

 Find Your Local Adviser

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