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Commercial
Motor
Insurance

If your business is on the road, you’ll need insurance that goes the extra distance.

With our Commercial motor insurance you get more than just great cover. You’ll also enjoy a range of benefits to help keep your employees safe and your vehicles on the road.

Our Commercial motor insurance can be tailored to insure each of your business vehicles individually. For larger fleets of 15 or more vehicles we offer a Commercial motor fleet option. 

Cover for individual business vehicles

Our Commercial motor insurance is one of nine covers you can choose from in our business suite. Your policy can be tailored to insure each of your business vehicles individually with a combination of cover types and excess structures. You can choose from three levels of cover for each of your vehicles: comprehensive, third party, or third party fire and theft.

To get the level of cover that’s right for your business, talk to your broker or adviser.

 

Comprehensive cover:

  • Our most popular level of commercial motor insurance cover.
  • If your business vehicles are stolen or damaged, we’ll cover them for their market value, up to a Sum Insured that you set.
  • If your vehicle is no longer roadworthy after an accident, we’ll cover emergency accommodation and travel.
  • We’ll provide cover for load recovery, salvage costs, trailers and tarpaulins, hoists and road clearing, and we can also cover your employee’s vehicles while they’re being used for your business.
  • If you’re in an accident caused by an identified third party, you can make a claim and still keep your no claim bonus – we’ll even waive the excess.

Commercial vehicle liability cover:

  • We’ll protect you for your legal liability to third parties for all three levels of our cover.
  • Includes cover for your legal liability to pay defence costs and damages if you accidentally damage someone else’s property.
  • We also offer cover for your liability under the Sentencing Amendment Act 2014. If you accidentally injure someone and are ordered by the Court to pay reparation for their lost income or medical costs, you may be able to claim for some or all of the cost.

Policy wordings

For more detail on our Commercial motor insurance, download our BusinessPlan policy wording.

Unless you have been advised otherwise, this new Vero BusinessPlan policy wording applies to new policies where cover commences from 11 September 2016, or existing policies that renew from 16 November 2016. If you are already a customer, you may find it useful to review a Summary of the key changes from your previous BusinessPlan policy. Please visit our Insurance Documents Centre for policy documents for policies purchased or renewed before these dates.

Cover for commercial fleets

If you have 15 or more commercial vehicles, our Commercial motor fleet insurance could be the best option for your business. This policy insures your commercial vehicles as a fleet and includes extra benefits that will help your business stay on the road if you need to make a claim.

You can choose from three levels of cover: comprehensive, third party or third party fire and theft.

To get the level of cover that’s right for your business, talk to your broker or adviser.

Comprehensive cover

  • Our most popular level of cover for Commercial motor fleet insurance.
  • We’ll cover you if one of your vehicles is stolen or accidentally damaged. You can insure each of your fleet vehicles up to a Sum Insured that you choose. If one of your vehicles is stolen, we’ll cover reasonable costs to hire a replacement so you can keep your business on the road until your vehicle is recovered or we’ve settled your claim. We will also provide cover for your goods in transit and your load recovery.
  • We’ll cover the cost of replacing locks and keys, and replacing your vehicle’s signwriting.

Commercial fleet liability cover

  • We’ll protect you for your legal liability to third parties for all three levels of our cover.
  • Includes cover for your legal liability for defence costs and damages if you accidentally damage someone else’s property.
  • We also cover reparations you might need to pay if you accidentally injure another person.

Policy wordings

For more detail on our Commercial motor fleet insurance, download our Commercial motor fleet policy wording. Please review our Commercial motor standard policy sub-limits document for further information. 

Unless you have been advised otherwise, this new Vero Commercial motor fleet policy wording applies to new policies where cover commences from 11 September 2016, or existing policies that renew from 16 November 2016. If you are already a customer, you may find it useful to review asummary of the key changes from your previous BusinessPlan policy. Please visit our Insurance Documents Centre for policy documents for policies purchased or renewed before these dates.

More value for your money

We also offer a range of additional benefits to help keep your business vehicles on the road.

AA Roadservice

Discounted roadside assistance membership – just remember to show proof of your policy with us.

Find out more

AA Driver Training

With vehicle accidents, prevention is always better than cure. That’s why we offer an exclusive 15% discount on the AA driver training programme. The driver training programme can help you improve your drivers’ risk management, driver behaviour and road safety.

Find out more

Glass repair and replacement

If you have no glass cover, you’ll have access to a range of fleet management tools and our special pricing to reduce the cost of auto glass repairs and replacement from Novus or AA Auto Glass. Ask your broker or adviser to arrange the AA Auto Glass Plus service or Novus auto glass repair and replacement.

Find out more here about our AA Auto Glass offer

Find out more here about our Novus auto glass offer

Coretex telematics upgrade and benefits

As a Vero customer, when you purchase a telematics package from Coretex you will receive an exclusive free upgrade. If you already have Coretex telematics installed in your heavy vehicles, we’ll also offer you a capped excess and a reduced Single Vehicle Accident excess to help you reduce costs if you need to make a claim.

If you have light business vehicles including cars and vans and you have Coretex on board, you can talk to your broker or adviser about getting a discount on your premiums.

Find out more

We're here to help

If you need to claim, our RepairNet system allows hundreds of repairers nationwide to assess your vehicle damage quickly via digital images – which means you really can get your vehicle back on the road faster.

Our approved suppliers also include windscreen specialists. Whether it’s a chip or a full-blown break, you can head straight to Smith&Smith or Novus who can fix your windscreen on the spot if it’s in stock.

Our Repair Guarantee

If you choose one of our approved suppliers to repair your light business vehicles, under our Repair Guarantee their work is guaranteed for as long as you own the vehicle.

Help with your claim

If you’re involved in an accident, our Vehicle accident details card will help you collect all the details you’ll need to make a claim. It’s a good idea to keep this handy.

Vero has updated relevant customer policies to cover claims for reparation orders resulting from accidents, under the Sentencing Amendment Act 2014. You can read a summary of the key changes to our Broadform liability policy and  Commercial motor fleet policy.

Get insured with Vero

For expert advice on how Vero can help you with your insurance needs, talk to a broker or adviser. Our locator helps you find a broker or adviser near you.

Find a broker

Frequently asked questions

When do I need a Commercial motor insurance policy?

If your vehicle is being used for work or commercial purposes, you’ll need to have it insured separately to your private motor vehicle. With our Commercial motor policy, you can also access a number of benefits such as Loss of use, and rental vehicle extensions that are not available under some Private Motor policies. 

Can I tailor my Commercial motor policy?

We understand that your business is unique so your insurance should be too. Our Vero Commercial motor policy can be tailored to suit your fleet and business requirements.

What’s the difference between a Commercial motor vehicle policy and a Commercial motor fleet policy?

For organisations with a large fleet of approximately 15 or more vehicles, we offer our Commercial motor fleet policy.

Are there ways to reduce my premiums?

There are a number of ways you can reduce your premium including your excess amount and burning cost. Your broker or adviser will be able to help you with this. 

How is my premium calculated?

Premiums are based on a number of factors such as what the vehicle is, where it is located, what it is used for and previous claim experience. These factors may also affect any additional terms or scope of cover.

Do vehicle modifications affect my Commercial motor insurance?

Yes they can. That’s why it’s important to always let us know any modifications, accessories or signwriting on your vehicle to ensure your policy can include these – otherwise your vehicle may not be covered if you need to make a claim.

Making a claim

If you need to make a claim, or have a question about a claim, contact your broker or adviser, or you can call us at the Vero Claims Centre—we’re here to help.

Make a claim

Important information

Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice. We recommend that before you purchase insurance, you get professional advice from a broker or adviser who’s registered under the Financial Advisers Act 2008.