Fleet and Truck Insurance
Fleet and Truck Insurance
Fleet and Truck Insurance provides tailored protection for businesses that operate commercial vehicles, whether it's a few vans or an entire fleet of trucks. It covers damage to vehicles, third-party liability, theft, fire, and breakdown-related expenses. This insurance is essential for logistics companies, delivery services, trades, and any business with multiple vehicles on the road.
You can insure a fleet under a single policy, making it easier to manage premiums, renewals, and claims. Coverage can include trucks, utilities, vans, trailers, and mobile plant depending on your needs.
At Angelic Insurance, we help Australian businesses find fleet and commercial vehicle insurance that aligns with their operational risk and compliance obligations. Our authorised brokers provide general advice and insurer comparisons to suit fleets large and small.
How It Works
Our step-by-step process makes it easy to protect your fleet with consistent, comprehensive cover.
Tell us about your vehicles
We gather details about your fleet size, types of vehicles, usage, routes, and garaging locations to assess your risk profile.
Compare fleet policy options
We review insurer offerings that support fleet ratings, flexible excess structures, and multi-vehicle claims handling.
Select your cover types
You can choose between comprehensive, third-party property, or third-party fire and theft tailored per vehicle class.
Add optional protections
We help you include extras like downtime cover, trailer cover, goods-in-transit, windscreen replacement, or 24/7 roadside assistance.
Activate your fleet cover
Once your policy is confirmed, we issue documentation promptly including Certificates of Currency for each registered unit.
Manage renewals and changes
We assist with ongoing updates such as adding or removing vehicles, adjusting driver lists, or reviewing limits.
Why You Need It?
Operating commercial vehicles without the right insurance puts your business at risk. Fleet and Truck Insurance ensures you’re covered while on the road.
Covers damage to company vehicles
Accidents, collisions, or fires can lead to high repair costs. Insurance protects against major out-of-pocket expenses.
Insures third-party liability
If your vehicle causes damage or injury to another person, insurance pays for repairs, legal fees, and medical costs.
Keeps your operations moving
Extras like hire vehicle cover or downtime compensation help avoid costly delays in your business workflow.
Simplifies fleet management
Managing all your vehicles under one policy saves time, reduces admin, and supports streamlined claims handling.
Meets contract and lease conditions
Many freight contracts or vehicle leases require valid fleet insurance. We help ensure you're compliant.
How Angelic Insurance Can Help?
We provide general advice tailored to your fleet size and industry so you can operate confidently and meet contractual obligations.
Compare commercial fleet policies
We source quotes from leading Australian insurers that specialise in commercial transport, logistics, and service-based fleets.
Tailor policies to your vehicle mix
Whether you run light commercial vans, rigid trucks, or plant vehicles, we help create a combined policy that fits your profile.
Guide you through policy extras
From signage cover to tools kept in vehicles, we help assess your risk and add optional covers as needed.
Fast documentation for compliance
We deliver Certificates of Currency quickly, often within 24–48 hours, to keep your trucks registered and compliant.
Help with claims and renewals
In the event of a crash, theft, or breakdown, we support the claims process and handle policy updates to keep your fleet current.
General Advice That Works
We keep your risk exposure manageable and policies compliant with registration and contract requirements
Challenges Businesses Face Without Fleet and Truck Insurance
Without commercial vehicle insurance, businesses risk severe disruptions, regulatory issues, and costly recovery following an incident.
Out-of-pocket repair costs
One vehicle accident can cost tens of thousands in repairs or total write-off impacting your finances and ability to operate.
Liability for third-party damage
If your truck damages a car or injures someone, you may be personally responsible for paying compensation and legal fees.
Uninsured vehicle downtime
Without appropriate cover, you may be unable to hire a replacement vehicle or cover lost income during repairs.
Missed contract requirements
Clients and transport partners often require proof of fleet cover. Without it, you may lose access to major contracts.
Administrative burden
Managing individual policies for every vehicle can be inefficient and increase the chance of policy lapses or errors.
Case Studies: How Fleet and Truck Insurance Helped Real Businesses
Case 1 – Rollover damages goods and truck
A delivery truck overturned on a rural road in Victoria. The client had full comprehensive fleet cover, which paid $45,000 for the vehicle and goods loss.
Case 2 – Windscreen claim processed in 48 hours
A Sydney plumbing company had a ute windscreen smashed. With fast claims processing, the replacement was arranged and paid within two days.
Case 3 – Third-party accident with litigation
A driver rear-ended a passenger car. Third-party property cover arranged by the client’s broker paid $22,000 in damages and legal defence after liability was disputed.
Frequently Asked Questions
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