solutions tailored to
protect your assets

At LA Insurance, we understand that your business’s success relies on the reliability and safety of your commercial vehicles.

That’s why we’re here to offer comprehensive insurance solutions tailored to protect your assets and keep your operations running smoothly.

Commercial vehicle insurance is a type of cover suited for large or small businesses that own or lease sedans, SUV’s, utes and trucks. This policy can cover specialist vehicles such as mobile cranes, refrigerated transport and trucks that can load and unload goods

What does commercial vehicle Insurance Cover?

Truck or commercial motor insurance is specifically designed to give owner-drivers or operators of large motor vehicle fleets options to manage the risk of loss or damage to their own units, as well as damage caused to third-party property, downtime and hire of replacement units while the vehicle is being repaired. Truck or commercial motor insurance usually has a package of covers and options, from repair or replacement of your truck or a more limited cover for damage to other people’s property, loss of temperature-controlled goods or temporary hire of a replacement unit.

Benefits of commercial vehicle insurance

Types of commercial vehicle insurance coverage

At LA Insurance, we have access to a range of comprehensive insurance options designed to meet the diverse needs of businesses like yours. Whether you’re looking for protection against accidents, theft, or damage to third-party property, we will ensure you’re covered.

Comprehensive

Covers the cost to repair or replace of the unit, attachments for trailers following an accident or damage. The policy also covers Third Party Property Damage, in addition to any legal defence costs and damages awarded by a court.

Third Party Fire & Theft

Provides limited cover including for theft, fire, explosion and lightning. The policy also covers Third Party Property Damage when the truck or trailer is being driven, in addition to any legal defence costs and damages awarded by a court.

Third Party Property Damage

Is cheaper, as it does not cover loss or damage to your units, only covering damage caused to other people’s property, as well as legal defence and any damages awarded.

Commercial Vehicle Insurance FAQs

Commercial vehicle insurance typically covers a wide range of vehicles used for business purposes, including trucks, vans, cars, and specialty vehicles like buses or trailers.

Commercial vehicle insurance is a specialised cover designed for vehicle owners, to protect them from financial loss resulting from loss or damage to their vehicle and the costs of repairing other people cars, trucks, or property if they are responsible for the accident. Legal defence costs are also covered under this policy.

Contact the team at LA Insurance for a quote. We will ensure a hassle-free process designed to provide your business with the protection and peace of mind it deserves.

The main factors insurance underwriters look at include: 

  • Type of vehicle, age and value; 
  • the area and scope of operations and distances travelled (base, depots, and transport areas); 
  • the type of goods transported; 
  • accident and loss history; 
  • fleet size and composition; 
  • driver age, experience, training and risk management.