BUSINESS VEHICLES
Commercial Motor and Fleet Insurance
Keep business vehicles, drivers and fleet claims moving with cover matched to how the vehicles are actually used.
Search intent
Vehicle risk changes as the business grows
A single ute policy can become a fleet program once there are multiple drivers, mixed vehicles, trailers, tools and time-sensitive jobs.
For businesses running utes, vans, trucks, trailers or multi-vehicle fleets.
Incorrect vehicle use
Private, trade, delivery, courier, sales and heavy vehicle use can require different insurer treatment.
Driver and claims patterns
Young drivers, claims frequency and vehicle allocation can affect premium and insurer appetite.
Goods and tools carried
Vehicle cover may not automatically cover cargo, tools or customer goods carried in the vehicle.
Cover structure
Commercial motor areas we review
We structure business vehicle cover around the fleet mix, drivers, operations and claims process.
Comprehensive vehicle cover
Accidental damage, theft and third-party property damage for insured business vehicles.
Fleet structure
Multi-vehicle schedules, driver rules, excess structures and claims management options.
Trailers and accessories
Review of trailers, modifications, signage, accessories and attached equipment.
Goods and tools links
Separate review of goods in transit, tools and general property carried with vehicles.
Who it helps
Vehicle-heavy businesses we help
Broker process
How BOK reviews motor and fleet cover
Build the vehicle schedule
We collect vehicle values, registrations, modifications, driver use and finance details.
Review usage and drivers
We match vehicle use, driver age, radius, overnight parking and claims history to insurer appetite.
Connect related exposures
We check whether tools, cargo, plant, trailers or contract obligations need extra cover.
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Open pageFAQs
Common questions about motor & fleet
How many vehicles make a fleet?
Insurers define fleets differently. Some offer fleet-style treatment from a small number of vehicles, while others require larger schedules.
Does commercial motor cover tools in the vehicle?
Usually not automatically. Tools may need general property or tools insurance, with vehicle storage conditions checked.
Can trailers be included?
Yes, trailers can often be listed, but value, use and attached equipment should be declared correctly.
With B Ok, you'll be OK
Need this cover reviewed?
Tell us what your business does, what you already have in place and what contracts or assets need protecting. We'll help you compare suitable options.