Our Commercial Motor Insurance solutions are specifically designed for your business' needs, large and small, a single vehicle or an entire fleet.

Whether you have a single work ute or are a medium to large business with 15+ commercial vehicles for your mobile sales or delivery teams, Unique can ensure your wheels are protected both on and off the road.

For vehicles with a carrying capacity of over five tonnes, please refer to our Heavy Motor Insurance below.

Benefits include:

  • Up to $30 million cover for liability and legal costs for damage to other people's property.
  • Choice of repairer.
  • 24 hours claims service.
  • Monthly premium payments to assist with your cashflow. It costs more for pay by the month.

Commercial Motor & Fleet Insurance

For cars, 4WDs, utilities, vans, trucks less than 5 tonnes carrying capacity plus certain light mobile plant & equipment, we offer two types of cover:

Comprehensive Cover

Give your vehicles cover against accidental loss or damage that includes:

  • Accidental loss or damage to your motor vehicle.
  • Personal accident from an event, up to $5,000.
  • Emergency repairs, travel, and accommodation.
  • Towing and storage costs.
  • Removal of debris, up to $25,000 for non-dangerous goods.
  • Guarantee for authorised repairs against any defect due to workmanship or faulty material for the life of the insured vehicle.
  • 2 year new-for-old replacement if you are the first registered owner for certain vehicle types.
  • Hire vehicle in the event of theft.
  • Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs to a maximum of $30 million (provided Compulsory Third Party does not apply).
  • Australia-wide claims service.
  • Cover for locks and keys.
  • Personal effects stolen/damaged in an event involving your vehicle (up to $1,000 per event).

Legal Liability Cover

Cover for your legal liability for damages includes:

  • Your legal liability for damage caused to another person’s property and personal injury caused by the insured vehicle, as well as legal costs, to a maximum of $30 million (provided Compulsory Third Party Insurance does not apply).
  • Your legal liability for property damage or personal injury as a result of the insured vehicle carrying dangerous goods, to a maximum of $1,000,000 (we may allow this limit to be increased to a maximum of $5,000,000, subject to payment of an extra premium).
  • Up to $5,000 for damage to the insured vehicle caused by an uninsured driver, if you don't have Comprehensive cover and you are able to identify the driver responsible and their vehicle.
  • Comprehensive cover to protect your vehicles against accidental damage and loss.
  • Legal liability cover to protect you against damage caused to another person’s property and personal injury caused by your vehicles.

Heavy Motor Insurance

This specialised protection is available across a range of occupations, including general carriers, tippers, and building industry and equipment movers.

For heavy mobile machinery, or vehicles with a carrying capacity of over five tonnes we offer two types of cover:

Transport Package

Benefits including commercial motor insurance, public and products liability, marine insurance and business interruption insurance for operations with less than 15 items.

Fleet Package

Benefits including commercial motor insurance, public and products liability, marine insurance and business interruption insurance for operations with less than 15 items for operations with 15 items or more.


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