Transport & Fleet Insurance
More vehicles. More exposure. Cover that keeps up.
- Fleet insurance is about more than replacing a vehicle after an accident. It's about protecting your drivers, your cargo, your contracts, and your ability to keep operating when something goes wrong. We structure fleet programmes that do all of that.
Key risks
What transport and fleet operators are exposed to
- Accident damage and third-party liability across your entire fleet
- Cargo loss or damage in transit
- Driver injury and employer liability
- Uninsured third parties driving up your costs after an at-fault incident
- Load liability where cargo shifts or spills cause third-party damage
- Fleet downtime and lost income while vehicles are off the road
Cover we typically structure
What a well-structured fleet programme looks like
- Commercial motor fleet (agreed or market value, comprehensive or third-party options by vehicle class)
- Goods in transit and marine cargo
- Public liability
- Business interruption (including contingent business interruption for supplier dependencies)
- Heavy vehicle CTP (where applicable)
- Management liability
- Trailer and plant cover where applicable
Fleet programmes benefit from being reviewed regularly. As vehicles are added, retired, or reclassified, your programme needs to reflect those changes. We track this throughout the year.
Some important things to remember about Transport & Fleet insurance
Why Maverick
Talk to a Transport & Fleet Insurance adviser. No paperwork. No obligation.
Fleet programmes need ongoing attention. Vehicles change, drivers change, and contracts change.
We review your fleet cover throughout the year and make sure your programme stays current without you having to prompt us. When a claim happens, we manage it.
Should we insure our vehicles under a fleet policy or individually?
The decision depends on how many vehicles you operate, how often your fleet changes and your claims history. We compare both approaches and typically recommend a fleet structure once you reach a certain size, as it can provide more stable pricing and simpler administration.
What level of liability cover do we need for our vehicles and operations?
We consider the types of contracts you service, the nature of the cargo you carry and whether you operate in high‑traffic or high‑risk areas. From there, we recommend appropriate motor and public liability limits so a serious road or loading ‑area incident does not jeopardise the business financially.
How are drivers and their records factored into premiums?
Insurers look closely at licence classes, experience, prior claims and any high‑risk behaviours. We help you implement driver selection, training and monitoring program, from induction through to telematics, so you can demonstrate good risk control and negotiate more favourable pricing.
How does our policy respond if a vehicle is off the road for an extended period?
We can include hire‑car or loss‑of‑use benefits and negotiate repair‑authorisation arrangements to minimise downtime. For critical vehicles, we look at tailored solutions so essential routes and contracts can continue even while repairs are under way.
Are accessories and specialist equipment on vehicles covered?
We make sure that cranes, tail‑lifts, refrigeration units, GPS and custom bodywork are correctly described and valued in your schedule. Where necessary, we arrange additional breakdown or marine cover for high‑value attachments that need broader protection.
What are our obligations after an accident?
You need to notify incidents promptly, gather key information (photos, dash‑cam footage, driver statements, third‑party details) and follow any emergency procedures required by the policy. We provide clear accident‑reporting guidelines and take over the communication with insurers so claims are handled efficiently and fairly.