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What we cover

Commercial Motor:
Keeping your business on the move

Commercial Motor & Fleet

The Lowdown

Your work vehicle isn’t just a car; it’s a mobile office/tool shed. If you or an employee has a prang, we get the repairs sorted or the vehicle replaced so your schedule doesn’t stall.
Commercial Motor & Fleet

What it protects against

Accidents, theft of the vehicle, and damage caused to other cars on the road.

Who Needs It

FAQs

Can I just use my personal car insurance for work?

It’s risky. If you have an accident while delivering goods or driving to a job site and you only have a personal policy, the insurer might knock back the claim. Commercial cover is built for the hustle.

Usually, no. Motor insurance covers the van. You need Tools & Equipment cover for the stuff inside it.

Proof that we’ve got your back.

ExcellentGoogle star 1Google star 2Google star 3Google star 4Google star 55.042 reviews
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent42 reviews

© 2026 Luma Insurance. All rights reserved.

Luma Insurance is a trading name of Brunswick Enterprises Pty Ltd. CAR No. 001315571 of General Insurance Brokers of Australia Pty Ltd (AFSL 342546).

Information on this website is factual and general advice only. It does not take into account your objectives, financial situation or needs. Before acting, you should consider whether it is appropriate in light of your circumstances and read the relevant Product Disclosure Statement (PDS).

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