Comprehensive cover
Selected cover for accidental damage, theft and damage caused to other vehicles or property.
Commercial motor insurance
Vehicle cover for engineering businesses on the move.
Cover options for business-owned vehicles used for client meetings, inspections, project travel, equipment transport and everyday operations.
Unsure whether the current motor policy allows business use?Ask us before completing a full quote form.
Business travel
Site visits create a different vehicle profile.
Engineering vehicles may move between offices, client premises and active project sites. The declared use, drivers, locations and items carried should reflect how the vehicles actually operate.
- Client meetings and metropolitan travel
- Inspections and active construction sites
- Regional, remote or interstate project work
- Transporting laptops, tools and technical equipment
- Vehicles shared between employees
- Occasional private use and overnight garaging
What shapes the terms
The vehicle is only part of the risk.
Insurers also consider who drives, where the vehicle travels, how it is used and the business’s claims history.
01Vehicle type, value, age and ownership
02Business, private and commuting use
03Driver ages, licences and driving history
04Metropolitan, regional and remote travel
05Project sites, mines and controlled-access locations
06Modifications, accessories, signage and towing
07Tools and equipment carried in vehicles
08Previous accidents, claims and infringements
Cover options
Choose protection that reflects the vehicle’s role.
Third-party property damage
Selected liability for damage caused by the insured vehicle to another person’s vehicle or property.
Hire vehicle options
Selected hire-car costs following an insured event, subject to limits, availability and policy conditions.
Glass and accessories
Windscreen, fitted accessories and other benefits may be included or available as optional extensions.
Motor cover depends on the policy type, agreed or market value, drivers, use, excesses, exclusions and endorsements. Compulsory third-party injury arrangements vary by jurisdiction and are separate from property damage cover.
Important boundaries
The vehicle policy may not cover everything carried inside it.
Check the interaction between motor, equipment and liability policies rather than assuming one policy responds to every loss.
- Tools, laptops and specialist equipment may require separate cover
- Unattended-vehicle theft conditions can be restrictive
- Personal motor policies may limit or exclude some business use
- Unlisted or younger drivers may attract higher excesses or restrictions
- Unroadworthy, overloaded or improperly used vehicles may not be covered
- Hire vehicles, employee-owned vehicles and grey-fleet arrangements need review
- Drone and aviation equipment require separate consideration
Related guide
Equipment in the vehicle needs separate attention.
Our Help Centre explains the issues that arise when engineering firms transport or leave specialist surveying and testing equipment in vehicles.
Preparing a request
What helps us obtain meaningful terms.
Vehicle schedule
Registration, make, model, year, value, finance and any modifications or fitted accessories.
Who will drive
Driver ages, licence history, regular drivers and whether employees share vehicles.
Where and why
Business activities, typical travel radius, project sites, overnight garaging and private use.
Claims and incidents
Previous motor claims, accidents, losses and material licence or driving matters.
Useful guides
Read further on vehicles, equipment and operational risk.
Insuring vehicles used for engineering work
Specialist surveying and testing equipment
When an engineering consultancy may need Public Liability
More insurance guides for engineering businesses
Common questions
Commercial motor cover, explained clearly.
Potentially, but the insurer should be told about the business use. A private-use policy may restrict certain work travel, high kilometres, equipment carriage or regular site attendance.
Usually not automatically. Motor cover primarily insures the vehicle and specified liabilities. Portable tools, laptops and specialist equipment may need separate equipment cover.
That depends on the policy. Age, licensing, driver history and named-driver conditions may apply, and additional excesses can apply to younger or unlisted drivers.
Not always. Hire-car cover may be optional, restricted to certain insured events or limited by daily and total amounts. Check the policy before relying on it.
The employee should confirm appropriate business use with their own insurer. The engineering business should also review its travel policies, reimbursements, safety responsibilities and any potential contingent exposure.
Next step
Cover the vehicles that keep your engineering business moving.
Tell us about the vehicles, drivers, travel patterns and business activities involved.
A simpler first step
Not ready for a quote? Start a conversation.
Start a conversation
Request information or a callback.
Tell us what you need and how you would like us to respond. There is no need to complete a full proposal form.
Concept only—the production version will use a short Gravity Form and notify the team.