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Business Insurance > Business Car Insurance

Business Car Insurance

Business Car Insurance

Business Car Insurance - talk to an insurance broker about the cars your business uses and how to get the insurance coverage you need.

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Business Car Insurance Brokerages

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MCA Insurance Brokers

MCA are an Australian owned and...

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Overview

Advisr connects people with an insurance broker they can trust. Advisr helps you to find an insurance broker who has expertise in the areas you are looking for. With insurance brokers from all over Australia, you can find and connect with an insurance broker that is right for you.

Insurance brokers help businesses and people to understand the risks that they face. They are experts at finding insurance coverage to reduce the economic impact when something goes wrong and a loss event occurs. Insurance brokers work for their clients and not for the insurers who provide the underlying insurance product.

Advisr works for both businesses and individuals. As the insurance brokers listed on Advisr can service clients across the size and scope of the market.

Advisr exists so you can find the right insurance broker that you are looking for. So regardless of your size or complexity, finding an Insurance Broker via Advisr can help you manage whatever insurance requirements you have.

Customers

Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.

Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.

Insurance Brokers work for the customer and are independent of the insurers that they engage with on behalf of their clients. Insurance Brokers work for their customers and have their customers' best interests at heart. Insurance Brokers do not work for the insurer. Insurance Brokers help their clients to find and source available insurance that matches their needs and requirements.

Asking for recommendations from others in your industry or area is a good place to start in looking for an insurance broker. You can search for that insurance broker on Advisr by name.

You can also search for an insurance broker by the type of insurance you need (insurance category), by your industry or by location depending on what is most critical to you. You can learn more about what a broker is like to work with by reading customer reviews left on Advisr. Educating yourself and reading articles by insurance brokers that explain different insurance lines, or dissect exposure to risk in different industries also helps you to find and select an insurance broker that understands your business or personal risk. We have hundreds of articles on Advisr to help you understand your insurance needs and find an insurance broker right for you.

Business Car Insurance

Business car insurance or commercial motor insurance covers your business for costs associated when events like accidental damage occurs to, or theft of, your commercial vehicles. 

If you use your personal vehicle for business use, your personal car insurance may not provide coverage for damage to your vehicle that occurs when using it for business purposes. This exclusion may include for damage to either your car or other vehicles. You should check your car insurance policy to ensure you are aware of your coverage. 

For personalised guidance, please engage with an insurance broker who can help you better understand your business car insurance requirements.

Business Car insurance costs are determined by a few key variables. Here are some of the variables to consider when looking for business car insurance. What is key to remember is that the cost of insurance is often a function of the coverage being provided, so cheaper business car insurance may not always offer the same levels of coverage as most expensive alternatives. You want to consider your coverage requirements first and then seek to find and determine the costs associated. 

Key influences of cost of business car insurance:

Type of cars being insured - make, model and age of cars that your business uses.

Size of the fleet of business cars being insured - are there hundreds of cars in your fleet, a smaller fleet with a few cars or vehicles or a single vehicle.

Usage of the car being insured - the distances being travelled and the type of driving that is occurring.

Frequency of use - how often is the car being utilised to conduct business services?

Drivers of the vehicles - their age, driving record and license status.  

Business car insurance is insurance that provides coverage for the loss that can occur when operating vehicles within your business. Business car insurance can cover the vehicles your business utilises to conduct its operates or might extend beyond the vehicles. 

Using an Insurance Broker for your Business Car insurance needs ensures that your business has managed its risks. Every business is different and an insurance broker can help by assessing your unique business risk profile and providing advice on the best insurance cover, including Business Car insurance for your business. An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether it's vehicle damage, vehicle theft or death or injury of passengers in the vehicle, your Insurance Broker can assist you to be covered.