Fleet & Commercial Motor Insurance.
Managing separate vehicle policies means multiple renewal dates, different insurers, and no leverage on price. A fleet policy brings everything under one arrangement - lower cost per vehicle, one claims process, and a broker who knows your fleet when something goes wrong.
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About This Cover
Fleet and commercial motor insurance - what it is and how it works for Australian businesses
For when your vehicle does more than get you from one place to another - for when it's an integral part of your business. Fleet and commercial motor insurance covers all your business vehicles under one policy, from cars and utes to vans, trucks, and specialist vehicles.
Instead of insuring each vehicle separately, you'll have one policy to cover your whole fleet. Your premium will depend on how many vehicles you've got, what they're used for, and the risk involved. If something goes wrong, you just lodge a claim - we assess the damage and get things sorted quickly so you can get back on the road.
Cover can be customised around driver restrictions, geographic limits, agreed versus market value, excess options, and more - built to suit your operation, not a generic template.
What's Included
What's included - standard covers in a fleet motor policy
Comprehensive Cover
Full protection for accidents, damage, theft, third-party liability, and fire across your entire fleet.
Third Party, Fire & Theft
Protection against liability for damage caused to others, plus fire and theft cover for your vehicles.
Third Party Property Damage
Cover if your driver causes damage to someone else's property - a core requirement for any commercial fleet.
Total Loss Coverage
Agreed or market value options so you know exactly what you'll receive if a vehicle is written off.
Hired & Non-Owned Vehicles
Extends cover to hired vehicles or those used temporarily - so fleet additions are covered from day one.
Natural Disasters
Damage from storms, hail, floods, and other weather events that can take multiple vehicles out at once.
Who Needs This
Who needs fleet and commercial motor insurance - businesses most reliant on vehicles
Transport & Logistics Companies
If your whole operation depends on trucks and vans moving freight, a fleet policy keeps everything covered under one arrangement.
Delivery Businesses
From courier services to last-mile delivery, commercial motor cover protects you whether it's one van or fifty.
Construction & Trade Businesses
Utes, trailers, and work vehicles are assets your business can't operate without - keep them covered on and off site.
Healthcare & Mobile Services
Clinicians, aged care providers, and mobile service businesses rely on vehicles to deliver care - fleet cover keeps your team mobile.
Multi-Site & Corporate Fleets
Larger businesses with vehicles spread across multiple locations benefit most from a single, coordinated fleet policy.
Why Co-Pilot
Why Co-Pilot for fleet insurance - not just any broker
We work for you, not the insurer
As an independent broker, we have no loyalty to any insurer. Our job is to find the fleet cover that suits your operation - not the policy that suits the insurer.
Insurer relationships that open doors
Access to 90+ insurers, including specialist fleet underwriters who can price your specific mix of vehicle types, driver profiles, and usage patterns.
Honest advice on fleet structure and cover levels
Comprehensive, third party fire & theft, or third party only - the right mix across your fleet affects both premium and protection. We help you optimise both.
Clear communication, no surprises
One policy, one renewal, one contact. We manage the administration and are available when a vehicle goes off the road - not just at sign-up.
Coverage Summary
Fleet & commercial motor
cover includes:
Every fleet is different. Cover is tailored to your vehicle types, usage patterns, and driver profile - whether you need comprehensive protection or third party cover across the board.
Customise Your Policy
Want to customise it?
We've got you.
Fleet policies can be structured to fit exactly how your business operates - from driver restrictions to value options to geographic limits.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Fleet & Commercial Motor Insurance
One policy, every vehicle,
lower premium. Let's sort your fleet.
Co-Pilot searches across 90+ insurers to find the right fleet cover for your vehicle mix, usage, and driver profile. Straightforward, competitive, and handled properly.