The correct Motor Insurance for a tradie’s vehicle depends on how it is actually used. Regular trade use should be disclosed rather than assumed to fit a private policy.

When may Commercial Motor Insurance be needed? #

Commercial cover may be appropriate for vehicles used to carry tools or materials, travel between job sites, attend call-outs, make deliveries or tow work trailers.

Some Private Motor policies accept limited business use, but their terms vary.

Are tools covered by Motor Insurance? #

Usually, the vehicle policy primarily protects the vehicle itself. Tools and portable equipment may require separate General Property, Tools or Portable Equipment cover.

Theft conditions can apply, including requirements for locks, storage, evidence of ownership and unattended vehicles.

What modifications should be disclosed? #

Tell the insurer about canopies, toolboxes, bull bars, roof racks, specialised fit-outs, towing equipment and other accessories or modifications.

These can affect the vehicle’s value, repair costs and underwriting.

Are trailers automatically covered? #

Not necessarily. A trailer may need to be separately listed or insured. Tools, plant or materials carried on it may also require separate cover.

Provide Webber Insurance with each vehicle’s details, use, drivers, modifications, finance and claims history so the appropriate structure can be considered.