Work Vehicle Cover (Commercial Vehicle Insurance)

What you need to know

What is Work Vehicle Cover?
Work Vehicle Cover is insurance for work vehicles used during the course of business, protecting against vehicle theft and accidents. It also covers any employed person using a vehicle your business owns, rents or borrows.

Who needs Work Vehicle Cover?
Traditionally, personal motor vehicle policies carry exclusions for commercial use. So, if you own or drive a vehicle and it is being used for regular business, Work Vehicle Cover is essential.

What is “getting regular business use?” It is defined as a vehicle that is being used, on average, more than three times a week for commercial purposes, or if you do any of the following:

• Carry equipment (ladders, supplies, tools)
• Carry hazardous (or flammable) material
• Carry housekeeping equipment for a business
• Equipped with cranes, winches, snowplows (not for use on private property only)
• Deliver goods (including but not restricted to pizza, flowers, wholesale, retail)
• Newspaper delivery

The Winley Insurance Group solution
Numerous factors determine the cost of Work Vehicle Cover, including the vehicle make, model, the driver’s history and the garaging location. Finding the right Work Vehicle Cover at an affordable price can become time consuming. At Winley, we work to find your best solution, tailoring your policy to meet your company’s requirements:

• Third party property damage only – Covers your legal liability for injury to others and damage to their property.
• Fire and theft only – Covers against damage to your vehicle in the event of a fire and or being stolen.
• Comprehensive – Covers all damages to your vehicle and your legal liability for injury to others and damage to their property.

Contact us for additional information or a Work Vehicle Cover quote
Winley Insurance Group is ready to help! Contact us at 1300 732 205 or begin our Work Vehicle Cover quote process now. Winley’s Trade Insurance Specialists service all of Australia.