Motor and transport insurance

Commercial Motor

Insured damage to business vehicles and selected liability for damage they cause to other people's property, with protection depending on the chosen cover level.

Illustrative example

A tradesperson's business ute is damaged in a collision while travelling between customer sites.

Check the wording

Declare business use and vehicle modifications; private-use policies may not accept the same operating activities.

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Motor Fleet

Coordinates insurance for multiple business vehicles under one arrangement, covering agreed vehicle damage and property liability exposures across the declared fleet and operations.

Illustrative example

A distribution business insures its delivery vans and management vehicles under one fleet policy.

Check the wording

New vehicles are not necessarily covered indefinitely without notification; acquisition limits and declaration deadlines apply.

Read the detailed Motor Fleet guide

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Heavy Motor

Damage and property liability exposures involving trucks, prime movers, trailers and other accepted heavy vehicles, with cover tailored to transport operations and loads.

Illustrative example

A prime mover and trailer are damaged in a highway collision during a scheduled delivery.

Check the wording

Dangerous goods, driver eligibility and load-recovery expenses can carry separate conditions, exclusions or lower limits.

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Mobile Plant

Physical loss or damage to mobile machinery such as excavators, loaders and cranes, with operational liability or interruption protection available when specifically included.

Illustrative example

An excavator overturns on a worksite, damaging its boom and requiring specialist recovery.

Check the wording

Check lifting operations and equipment used as a tool of trade; motor-road cover alone may be insufficient.

Read the detailed Mobile Plant guide

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Motor Trade

An insurance arrangement for vehicle dealers, repairers and related businesses, combining selected exposures involving stock vehicles, customer vehicles, premises and liability from trade activities.

Illustrative example

A repair workshop accidentally damages a customer's vehicle while moving it around its premises.

Check the wording

Customer vehicles and road testing need explicit protection; ordinary business liability may exclude vehicles in your custody.

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Compulsory Third Party

Statutory insurance

Statutory motor-injury insurance addressing injury or death from road crashes under the applicable state or territory scheme, rather than damage to vehicles or property.

Illustrative example

A person injured in a road crash seeks benefits through the applicable motor-injury scheme.

Check the wording

Scheme rules and insurer access differ by jurisdiction; this listing does not confirm availability through BFY.

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Comprehensive Motor

Combines insured loss or damage to your vehicle with legal liability for damage caused to other people's property, subject to the vehicle's agreed usage.

Illustrative example

An at-fault collision damages both your insured vehicle and another driver's parked car.

Check the wording

Comprehensive does not mean unrestricted; wear, mechanical failure and excluded driving circumstances can remain uninsured.

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Third Party Property Damage

Legal liability for damage your vehicle causes to someone else's vehicle or property, generally without broad protection for damage to your own vehicle.

Illustrative example

Your vehicle reverses into a neighbour's fence, leaving you liable for its repair.

Check the wording

Own-vehicle damage is generally excluded apart from any narrowly defined benefit, such as an uninsured-driver extension.

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