Commercial Motor Insurance

Commercial Motor Insurance

Zurich’s Commercial Motor Insurance has businesses covered with flexible tailored solutions across all vehicle classes. Our focus is on getting you back to business, fast.

It covers business vehicles against losses related to owning and operating a motor vehicle. This can be a loss to one of the insured vehicles (e.g. through theft or accident), or a loss to a third party for which the business is liable as the owner or operator of the vehicle involved.

Vehicles that fall under a commercial  motor insurance cover may include the business owner’s personal cars; business use vehicles driven by senior management and sales representatives; light commercial vehicles; delivery vehicles including heavy transport; and plant and equipment.

For fleets of more than 10 vehicles, please refer to our Motor Fleet Insurance.

Commercial Motor Insurance Factsheet

Recent enhancements to Zurich’s Commercial Motor Insurance

Since 2014 we’ve taken the hassle out of vehicle selection through rego search by automatically presenting a year, make and model of the vehicle.

In November 2015 we announced the delivery of additional enhancements to Zurich Commercial Insurance - delivering even more value.

  • Policy wording enhancements:

    • New for old replacement extension for specified vehicles with a carrying capacity up to 2 tonnes if written off in year 3 and 4
      • Sedans
      • Station wagons
      • Four wheel drives
      • Utility or Other Goods Carrying Vehicle
    • Agreed value for specified vehicles up to 2 tonnes
    • New extension of cover for Unspecified Accessories up to a maximum of $5000
      • We will pay up to a maximum of $5000 for non-standard accessories that have not been specified as Vehicle Accessories in the schedule.
  • Update to undeclared driver’s excess for rigid and/or articulated vehicles.

  • Enhanced claims:
    Approved repairer network – launched in 2015 and proving to be a great success with you.

    • network providing wide coverage across Australia to assist in the event of an accident
    • enhanced services levels include:
      • Priority repair service
      • Repairs by skilled and trusted repairers
      • Convenience of mobile estimating - the repairer can go to the customer's place of work or residence for quoting, if required
      • Flexibility of pick-up and delivery of vehicle

How to apply

Insurance Broker

Get a quote or apply through an insurance broker

Phone NIBA:Find a Broker - Phone NIBA phone number 1300 53 10 73 Find a broker

An insurance broker can help to
determine the most appropriate
insurance for your business needs.


Zurich Motor Insurance PDS

Type: pdf (1.0Mb)

Zurich Motor QRG

Type: pdf (724Kb)

Motor Insurance Proposal

Type: pdf (739Kb)

Zurich Motor Insurance

Type: pdf (838Kb)

insurance broker

What are the benefits of an insurance broker?

Good advice is about defining your goals, both immediate and long term, and recommending solutions that fit your circumstances to achieve those goals.

Good advice can:

  • Give you direction & control
  • Save time
  • Manage your risks
  • Stop you making expensive mistakes
  • Give you peace of mind
  • Protect your business
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