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Why get Commercial Motor Vehicle Insurance

Commercial Motor Vehicle Insurance covers damage caused by accidents, fire and theft. Unlike a personal RACV Car Insurance policy, RACV Commercial Motor Vehicle Insurance also covers:

personal items and tools if they’re damaged in an incident (up to $2,000)
sign writing and artwork on your vehicle
safety gear (like tarps, gates, chains, straps) attached to your vehicle.

Protect up to 5 vehicles and trailers when you get an online quote, or call us to cover up to 20. And, pay-by the-month is available at no extra cost.

_{For terms, conditions, limits and exclusions, read the Product Disclosure Statement.}

Looking for personal car insurance?

If you use your car for business and personal reasons, check out personal RACV Car Insurance to see if this suits your needs.

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Protect many types of vehicles

Company cars

Like sedans, station wagons and 4WDs

Trailers

With up to 5-tonne carrying capacity

Goods carrying vehicles

Like vans, trucks and utes with up to 5-tonne carrying capacity

Mobile plant

Like earthmoving equipment and forklifts with up to 10-tonne capacity

Choose the right level of cover for your business

_{For terms, conditions, limits and exclusions, read the Product Disclosure Statement.}

Cover your business with RACV Insurance

You can add public and product liability cover, as well as other cover options to protect more than just your commercial vehicle.

Public and product liability

Covers you for potentially costly personal injury and property damage claims.

Portable property

Covers you for loss, damage or burglary for insured property (like your tools) you take on the road with you or are stored at a worksite.

Personal accident and illness

Covers you for loss of income if you fall ill or injure yourself impacting your ability to work.

Business interruption

Covers loss of income if your business premise is damaged by an insured event and your business is interrupted as a result.

Theft and money

Covers you if a person breaks into your business premises and steals your stock, contents, equipment, or money.

Tax investigation

Covers the professional fees you pay to comply with a tax audit or investigation.

_{For terms, conditions, limits and exclusions, read the Product Disclosure Statement.}

We'll make it quick and easy

Tailored to your business

Optional covers tailored to your business, so you don’t pay for insurance you don’t need.

We'll save you time

Get a quote and cover online or by phone. We’ll reduce unnecessary paperwork and save you time.

Trusted by thousands

Protecting thousands of Victorian businesses like yours.

Documents and help

Make a claim

If you already have an RACV Business Insurance policy, you can make a claim over the phone.

13 19 03

Policy documents and statements

You can find all policy documents related to RACV Business Insurance, including product disclosure statements and terms and conditions in our policy hub.

Find out more

Frequently asked questions

RACV Business Insurance caters to the needs of small businesses and sole traders. This covers operations with less than 20 employees and less than $5 million turnover per year.

Public liability insurance is designed to protect your business against legal claims resulting from injuries to another person or damage to their property for covered events. If you work with clients or customers in public spaces, visit spaces owned or controlled by others, have visitors to your premises, or manufacture products, this cover could help cover unexpected costs when accidents happen.

Not all businesses are the same. That’s why the level of public liability insurance you need is unique to:

the size of your business i.e. employees, income
your risk appetite
how much it would cost to fix the problem if a mistake is made.

You can cover your business for up to $20 million for public liability each year. We’ll ask you some questions to help you determine what level of cover is best to protect your business.

RACV Commercial Motor Vehicle Insurance is especially designed to provide cover for vehicles you use for business purposes. It can help protect your business from financial loss caused by damage to your vehicles or other people's property.

RACV Commercial Motor Vehicle Insurance is a cover type under RACV Business Insurance. It covers vehicles primarily used for work purposes, like visiting clients or making deliveries. While personal car insurance can cover business use as well, it’s designed to cover every day private use, like commuting and personal trips.

If you use your personal car for work purposes, it’s important to make sure you’ve got the most suitable cover for your needs. To learn more, check out personal car insurance.

You can also read the Product Disclosure Statements for:

Agreed value
This is how much RACV Insurance agrees to insure your vehicle for. You can choose from within a value range, and it remains fixed for the term of the policy.

At renewal, RACV Insurance considers the changes in your vehicle’s agreed value using local market values. Check your renewal notice for any changes.

Agreed value only applies to company cars (like sedans, station wagons and 4WDs) you insure under a comprehensive policy.

Market value
This is an assessment of your vehicle’s value at the time of an incident you’re making a claim for. It considers local market prices and the age and condition of your vehicle.

For more information on agreed and market value, read the Product Disclosure Statement.

No, there isn't an option to adjust your vehicle excess. While you can adjust the Business Insurance policy excess, if you’re claiming under commercial motor cover, the vehicle excess applies instead of the Business Insurance policy excess.

Arrangements for company cars can vary between employers. Some arrangements may see companies cover the whole insurance cost – while others may mean you are responsible for arranging and paying for the insurance. If you’re not sure who should pay the insurance, it’s best to speak with your employer in the first instance.

With RACV Commercial Motor Vehicle Insurance, you can cover many types of vehicles that your business owns. This could include:

work utes and vans
company cars
trailers
trucks (like cargo, flatbed and refrigerated trucks)
commercial caravans.

We thank our business customers for their understanding and patience during the general insurance industry Business Interruption test case process. The test cases were an important step in clarifying how business interruption policy wordings were to be interpreted in the context of the COVID-19 pandemic. The courts have now finalised the test case process and the outcomes can now be applied in determining COVID-19 pandemic business interruption claims.

There have been two test cases in relation to business interruption cover and COVID-19 impacts that now have a final outcome. The outcome of these test cases may impact your entitlement to cover under a business interruption policy.

The first test case determined that certain policy exclusions that referred to a disease declared to be a quarantinable disease under the Quarantine Act 1908 (Cth) could not be applied to claims relating to COVID-19.
The second test case determined various issues relevant to business interruption cover, providing clarity on to the interpretation of business interruption policy wordings. The court determined that in all but one case the policyholders were not entitled to cover under their policies. In the remaining case, the court found that the policyholder may be entitled to cover under the particular terms of their policy. As a result, certain policyholders may be entitled to cover depending on the particular terms of their policy and the facts and circumstances of their claim.
In the second test case, the court also determined that a disease exclusion clause that referred to a disease declared to be a ‘listed human disease’ under the Biosecurity Act 2015 (Cth) applies to exclude cover for COVID-19.

Further information in relation to the test cases is available on the Insurance Council of Australia’s website.

Your entitlement to cover will depend on the particular terms of your policy wording and the individual facts and circumstances of any loss you may have suffered.

If your business has been affected by COVID-19 and you have business interruption cover, you can talk to us about making a claim on 13 19 03 or contact your broker.

If you have already lodged a claim under your business interruption policy for COVID-19 impacts we will contact you separately in relation to this claim.

^{The information provided is general advice only and does not take into account your personal circumstances. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As a referrer, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.}

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