Use this form to request a motor insurance quote for private or commercial vehicles through Freight Insurance Services International, an Australian insurance broker. Vehicle insurance protects the owner against financial loss from accidents, theft or damage to vehicles.
Personal vehicle insurance covers daily commuting and private use, while commercial insurance covers vehicles used to make money, such as transporting goods, tools or staff. Commercial policies generally offer broader, higher-limit cover and include options for specialised machinery. Transport operators can also insure the freight they carry with carriers insurance.
REQUEST A QUOTE NOW
Frequently Asked Questions
What can a commercial vehicle and transport package include?
For transport businesses, a commercial vehicle and transport package can bundle several covers into one policy with one renewal date:
- comprehensive cover for trucks and trailers against accidents and theft
- third-party property damage
- public liability for work such as loading and unloading at a client’s premises
- transit cover for the cargo being carried
Should you insure for market value or agreed value?
Market value pays what the vehicle is worth on the open market at the time of the loss, so the payout may be less than you still owe on finance. Agreed value pays a fixed amount set on your policy schedule and reviewed at renewal. It usually costs a little more but gives certainty if a vehicle is written off.
What do motor policies usually exclude?
- drivers who are unlicensed, hold the wrong licence class, or are affected by alcohol or drugs
- mechanical or electrical breakdown, unless it is a direct result of an accident
- losses caused by poor maintenance, under the reasonable precautions clause
- unattached trailers, unless unattached trailer cover is on your schedule
Goods carried in your own vehicles may need separate cover; see cargo and transit insurance. For general guidance on insurance, visit ASIC’s MoneySmart. To report an accident, use our claims page.
How do I get a motor insurance quote?
Complete the form above with your vehicle and driver details, or call us on 1800 656 836. As your broker, we arrange the policy with the insurer and help if you need to claim.
Can I insure private and commercial vehicles together?
Yes. We can quote both, and businesses with several vehicles can often combine them under one fleet policy with a single renewal date, which is simpler to manage than separate policies.
What details do I need for a motor insurance quote?
The vehicle’s registration or VIN, make, model and year, its value, how it is used, where it is garaged, any finance on it, and the ages, licence types and claims history of the drivers.
Who can drive my insured vehicle?
It depends on the policy. Many commercial policies cover any licensed driver, but insurers often apply a higher excess for young or inexperienced drivers, and some policies only cover nominated drivers. Check your schedule before letting someone new drive.
Do I need commercial vehicle insurance if I use my vehicle for business?
Generally yes, if the vehicle is used to earn income, for example to carry goods, tools or staff. Private vehicle insurance is designed for commuting and personal use, while commercial vehicle insurance is designed for business use and generally offers broader, higher-limit cover. Declare how the vehicle is actually used when you request a quote, because use affects the cover the insurer offers, subject to the policy terms.
Can commercial vehicle insurance include specialised machinery?
Yes, commercial vehicle policies generally include options for specialised machinery, so equipment used in your business can be considered alongside your cars, utes and trucks. Whether it can be insured, and on what terms, depends on the insurer and is subject to the policy terms and conditions. Describe the machinery, its value and how it is used in the quote request, and our brokers will come back to you with options.
This information is general in nature and does not take into account your objectives, financial situation or needs. Please read the policy wording and our Financial Services Guide before deciding.