Fleet Insurance
Protect your vehicles, drivers, and business operations with tailored fleet insurance designed for Australian businesses operating two or more vehicles. Whether you run commercial vans, utes, sedans, trucks, trailers, or mixed fleets, we help you secure comprehensive protection with access to leading fleet insurance advisers, insurer networks, and specialist commercial fleet underwriting.
Protect your business when a vehicle accident, breakdown, or liability claim disrupts your operations
Everyday vehicle use can quickly lead to costly business interruptions. A minor collision, windscreen damage, a stolen vehicle, or an at-fault accident involving a third party can place your entire fleet off the road. These are the real risks fleet owners face.
Commercial fleet insurance helps protect your business from repair costs, theft, fire damage, liability claims, driver incidents, and major breakdowns ensuring your vehicles get back on the road with minimal downtime.
Coverite Insurance works with businesses of all sizes from small company fleets to national multi-vehicle operations. We help you secure cover that reflects your true risk profile, operating locations, driver usage, and industry-specific requirements. When you work with us, you get more than a generic policy you receive a tailored program designed for performance, cost efficiency, and compliance.
Fleet insurance for businesses that rely on reliable transport, logistics, and daily vehicle use
Whether your vehicles travel locally or nationally, carry tools, goods, staff, or equipment, your exposure changes with every trip. We support a wide range of industries including:
Trusted Support When It Matters Most
Vehicle accidents, damaged tools, stolen trade vehicles, at-fault collisions, and downtime can significantly disrupt your business. Our clients rely on us for rapid support, insurer negotiation, and clear advice during stressful claims events.
Why clients choose us:
- Dedicated fleet insurance advisers who understand business vehicle operations
- Fast claims guidance, repair coordination & insurer communication
- Access to specialist commercial fleet markets
- Flexible structure for mixed vehicle types & driver usage
- Competitive premiums backed by strong claims management
Real Feedback from Our Clients
“Excellent service! Michelle from Coverite Insurance Service and her team have gone above and beyond to help me with my insurance needs. Michelle has guided me through every step of the process to help find me the best coverage with the most cost effective premium. I feel confident knowing my insurance needs are being well looked after.”
The Easiest Way to Get the Right Fleet Cover.
Tell us about your business and what you require, then we'll search far and wide to find the right insurance.
We'll present and talk you through the options. You decide which suits you best.
We'll start your cover so your business is protected.
Key fleet insurance cover we help arrange
Comprehensive Vehicle Cover
Comprehensive cover protects your fleet vehicles against a wide range of unexpected events that can take a work vehicle off the road. This includes accidental damage, at-fault collisions, storms, hail, floods, fire, vandalism, and theft. Policies can also include towing, roadside assistance, and emergency repair costs.
Repairs are completed using insurer-approved repairers to ensure safety standards, warranty protection, and quality workmanship minimising downtime and getting your vehicles back into service quickly.
Third-Party Property Damage (TPPD)
Third-party property damage is essential for any business operating multiple vehicles. It covers costs if your driver is responsible for damaging another person’s car, building, fence, infrastructure, loading dock, business premises, or public asset.
This protection is crucial for company fleet insurance, particularly for businesses whose vehicles regularly access job sites, customer locations, tight loading areas, multi-storey carparks, or busy commercial zones.
Fire, Theft & Malicious Damage
Fleet vehicles are often parked on worksites, in open yards, or at customer locations increasing exposure to theft and criminal damage. This cover protects your vehicles from fire damage, stolen vehicles, stolen tools or equipment from locked vehicles, and malicious damage such as graffiti, vandalism, broken locks, or forced entry.
This is especially important for trades, civil contractors, courier fleets, and operators who store high-value items in their vehicles.
Windscreen & Glass Cover
High-use vehicles are at constant risk of stone chips, cracks, and glass damage. This section covers front and rear windscreens, side glass, mirrors, headlights, and sometimes cameras or sensors used in modern driver-assist systems.
Many fleet operators choose the optional “no excess” windscreen upgrade, making small repairs quick and cost-effective.
Goods in Transit (Tools, Equipment & Stock)
Ideal for couriers, trades, retail distributors, and service businesses. This cover protects items carried inside your vehicles, including tools of trade, materials, inventory, parcels, equipment, documents, and business property.
It responds to incidents such as theft, accidental damage during transit, vehicle rollover, collision, or fire ensuring your business can continue work without major financial loss.
Replacement Vehicle / Hire Car Cover
If a fleet vehicle is unavailable due to an accident or insured damage, this cover provides a temporary rental vehicle to keep operations running.
This is especially valuable for courier fleets, sales teams, real estate agents, service businesses, and operators who rely on uninterrupted mobility to maintain service schedules.
Downtime / Loss of Use Cover
Provides financial support when your business experiences income loss because a vehicle is unavailable after an insured event.
This can be structured as a daily benefit, lump-sum payment, or reimbursement of documented losses protecting cash flow for businesses that rely on continuous vehicle activity.
Driver Personal Accident
Covers injuries suffered by employees or authorised drivers during work-related vehicle use. This may include lump-sum benefits for serious injury, weekly income replacement, medical expenses, and rehabilitation support.
It’s often recommended for businesses with drivers regularly on the road, performing deliveries, attending job sites, or operating in higher-risk environments.