Commercial Motor Fleet Insurance Covers the Vehicles Your Business Depends On

Commercial Motor Fleet Insurance covers your business vehicles against accident, theft, fire, and other insured events, and can extend to cover third-party property damage and injury arising from their use. It's designed for businesses managing multiple vehicles under one policy rather than insuring each one separately.

Fleet policies can be structured around vehicle type, usage, and driver profile, and most insurers offer fleet discounts and simplified administration compared to managing individual vehicle policies. We help you set up a policy that matches how your fleet operates.

What You'll Need for a Commercial Motor Fleet Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Vehicle List

A list of the vehicles in your fleet, including make, model, year, registration and how each one is used.

Usage & Garaging

How and where the vehicles are used and stored, including any interstate travel or specialist use.

Driver Details

Details of who drives each vehicle, including licence history and any relevant driving record.

Claims History

The details of any claims made in the past 3-5 years.

How Commercial Motor Fleet Insurance Differs From Related Products

Commercial Motor Fleet vs. Heavy Vehicle Insurance

Commercial Motor Fleet typically covers standard business vehicles such as cars, vans, and utes. Heavy Vehicle Insurance is structured specifically for trucks and other heavy vehicles, which carry different risks and regulatory requirements.

Commercial Motor Fleet vs. Marine Hull (Commercial)

Commercial Motor Fleet covers land vehicles. Marine Hull (Commercial) covers vessels — a separate, specialised form of cover entirely, for businesses that operate boats as part of their fleet.

Commercial Motor Fleet vs. Plant & Machinery (Mobile)

Commercial Motor Fleet covers registered, road-going vehicles. Plant & Machinery (Mobile) covers mobile plant such as excavators or cranes, which often isn't registered for road use and carries different risks.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.