Commercial Motor Insurance is designed for vehicles used for business purposes, while Private Motor Insurance is primarily designed for personal use. The appropriate policy depends on ownership, actual use, drivers, goods or equipment carried, deliveries and whether the vehicle forms part of a fleet. Read the detailed comparison.

If you have Comprehensive cover, you can usually lodge the claim under your own policy, with recovery pursued against the responsible party where appropriate. Whether an excess applies or is later refunded depends on the insurer, the policy and whether the other party can be identified and recovery made. Read the detailed guide.

Modifications and non-standard accessories should be disclosed because they can affect the insured value, insurer appetite and cover available. Some items may need to be specifically listed or may attract different terms or premiums. Read the detailed guide.

Report the claim promptly and provide the accident details, driver and vehicle information, photographs, repair information and any police or third-party details available. Avoid admitting liability or agreeing to settle directly with another party before speaking with the insurer or Webber Insurance. Read the claims guide.

The drivers who need to be listed depend on the insurer and how the vehicle is used. Main, regular, younger or household drivers may need to be disclosed, and additional excesses or restrictions can apply to unlisted drivers. Read the detailed guide.

Some Private Motor policies allow limited business use, such as travel to client meetings, but the vehicle must be insured for its actual use. Regular trade, delivery, courier, site or other higher-risk commercial use may require Commercial Motor Insurance. Read the detailed guide.

Agreed value is an amount agreed with the insurer for the policy period and, subject to the policy, forms the basis of a covered total-loss settlement. Market value is generally based on what the vehicle was worth immediately before the insured loss. Read the detailed comparison.

Comprehensive Insurance can cover damage to your own vehicle as well as certain liability for damage to other people’s property. Third Party Property Damage Insurance primarily covers your legal liability for damage to other people’s vehicles or property and generally does not cover accidental damage to your own vehicle. Read the detailed comparison.

Subject to the policy, Comprehensive Private Motor Insurance can cover accidental damage to your vehicle, theft, fire, weather damage and liability for damage caused to other people’s vehicles or property. Cover remains subject to the policy terms, exclusions and excesses. Read the detailed guide.

Private Motor Insurance protects eligible privately used vehicles against selected risks such as accidental damage, theft and liability for damage to other people’s property. Available cover, exclusions and excesses depend on the policy. Read the detailed guide.