From a single ute to a commercial fleet, we arrange the right motor cover for Melbourne individuals and businesses — comparing across more than 230 insurers, with bilingual advice in English, Mandarin and Cantonese.
The right motor policy depends on how the vehicle is used, who drives it, and what it would cost to replace. We start with those questions before comparing products.
Comprehensive motor insurance can cover your vehicle for accidental damage, theft, fire, weather events and third-party property damage. The key decisions are agreed value versus market value, the excess structure, and whether the policy includes hire car, road rescue and new-for-old replacement — terms that vary considerably between insurers at similar premium levels.
Utes, vans, light commercials and passenger vehicles used for work require a policy that specifically covers business use. Tradies carrying tools and sales representatives visiting clients may fall outside the scope of a standard private motor policy. We arrange business use extensions and commercial vehicle policies that reflect how the vehicle actually operates.
A fleet policy covers multiple vehicles under a single policy and administration point. Pricing reflects the fleet's collective claims history, which means a well-managed fleet typically pays less per vehicle than the equivalent individual policies would cost. Fleet cover is available from as few as three vehicles and can include cars, utes, vans and light trucks on a single schedule.
Classic, vintage, prestige and modified vehicles need policies written for them — not standard market rates applied to a depreciated book value. We arrange agreed-value cover through specialist underwriters, including policies for vehicles driven seasonally, stored over winter or used at track days.
Policy wordings vary more than most people realise. Understanding what is and is not included before a claim is the difference between a smooth settlement and an unexpected gap.
*Subject to policy terms and conditions.
Patterns we see regularly. If any of these sound like your situation, it is worth a conversation before your next renewal.
With agreed value, you and the insurer agree on the vehicle's insured value at the start of the policy. If the car is written off, you receive that amount in full.
With market value, the insurer pays what the vehicle was worth at the time of the loss — which may be less than you expect, particularly for prestige or specialty vehicles that hold their value. For business vehicles and classic cars, agreed value may be the better choice.
Most private comprehensive policies exclude regular business use. If you use your vehicle to visit clients or carry goods or tools, a standard personal policy may not respond to a claim.
A business use extension or a dedicated commercial vehicle policy is needed. The definition of 'business use' varies between insurers, so it is worth checking the policy wording carefully.
A fleet policy covers multiple vehicles under a single policy rather than insuring each vehicle separately. This simplifies administration, usually produces a better premium per vehicle, and allows new vehicles to be added mid-term without requiring a new policy.
Fleet policies are available from as few as three vehicles, and the pricing reflects the whole fleet's claims history rather than individual driver records.
A commercial vehicle policy will typically extend cover to employees and other drivers, subject to the policy terms. Some policies exclude young or inexperienced drivers, or charge an additional excess for drivers below a certain age.
We review driver details with you when setting up a fleet or commercial policy to make sure the cover matches your actual workforce.
Most insurers will recognise a no-claim bonus earned with another insurer, provided you can demonstrate it in writing. We obtain your claims history and carry it across when we approach insurers on your behalf, so you do not lose the discount you have built up.
Send us your current policy and a real broker will benchmark it against available products — cover for cover, with no review fee and no obligation. If you are moving interstate or expanding beyond Victoria, we can arrange cover there too. If you choose to place cover through us, we may earn commission from the insurer as set out in our Financial Services Guide.
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