Commercial and Heavy Motor Insurance
Commercial Motor
If your business depends on a reliable set of wheels – whether it be a zippy hatch, a trusty ute or a light truck – you want to know it’s protected both on and off the road.
While we can’t put fuel in the tank or air in the tyres, our Commercial Motor Insurance solutions are designed to take the worry out of running a single work vehicle or a fleet of vehicles of up to five tonnes carrying capacity.
Who is it for?
Resilium Commercial Motor Insurance provides cover for a single work vehicle or a fleet of vehicles of up to five tonnes carrying capacity. These include (but not limited to):
- Cars
- 4WDs
- Utilities
- Vans
- Trucks less than five tonnes carrying capacity
- Certain light mobile plant and equipment
What does this insurance cover?
- You can choose between Comprehensive or Legal Liability cover, with benefits such as:
- 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.
Comprehensive cover should include:
- Accidental loss or damage to your motor vehicle
- Lease payout on vehicles where the amount owing under a lease is higher than the vehicle total loss amount (additional amount capped based on vehicle type)
- 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
- Personal accident from an event.
- Emergency repairs, travel and accommodation
- Towing and storage costs
- Removal of debris for non-dangerous goods
- Cover for locks and keys
- One annual payment or pay by the month
- No excess if you are not at fault and you can identify the person at fault
- Personal effects stolen/damaged in an event involving your vehicle (up to $1,000 per event).
Legal Liability cover should include:
- 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 can identify the driver responsible and their vehicle.
Heavy Motor
If you spend long hours behind the wheel of a prime mover or the controls of heavy equipment, you’ll appreciate the peace of mind that comes of knowing your investment is protected for the long haul.
Resilium offers a specialised insurance solution for vehicles over five tonnes carrying capacity or heavy mobile machinery, with a range of options to suit your equipment and business needs.
Who is it for?
Some of the occupations Resilium can provide Heavy Motor Insurance cover for are (but not limited to):
- General Carriers
- Tippers
- Building industry and equipment
- Livestock carriers
- Grain carriers
- Refridgerated carriers
What does this insurance cover?
Typical policy benefits might cover:
- Transport Package (for operations with less than 15 items) – Commercial Motor, Public and Products Liability, Marine and Business Interruption.
- Fleet (for operations with more than 14 items) – Because we understand that downtime is lost money, if something does go wrong, we’ll help you get back in the driver’s seat or behind the controls as fast as possible. You can lodge your claim automatically via our free, 24/7 Accident Assist hotline for a fast response.
