✓ Specialist Cover Available

🚐 Commercial Transport

Commercial minibus operator insurance for hire and reward, shuttle services, and passenger transport operators.

Commercial minibus operators — shuttle services, hire and reward operators, and passenger transport businesses — have specific insurance requirements under the Land Transport Act and Passenger Service Licence conditions. Commercial policies must cover passenger liability, driver history, high annual kilometres, and often require specific policy wording for compliance.

Key Insurance Needs for Commercial Transport

✓Passenger liability cover

✓Hire and reward endorsement

✓High-kilometre allowances

✓PTO licence compliance

✓Commercial driver requirements

✓Fleet discount available

Available Cover Types

🛡️

Comprehensive Cover

The highest level of protection — accidental damage, theft, fire, and full third-party liability.

From $1,200/year

🔥

Third Party Fire & Theft

Mid-tier cover protecting against third-party claims plus fire and theft of your vehicle.

From $600/year

⚖️

Third Party Only

The minimum legal requirement — covers damage or injury you cause to others.

From $350/year

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Fleet Cover

Insure multiple minibuses under a single policy — ideal for schools, councils, and operators with 2+ vehicles.

From $900/vehicle/year

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Passenger Liability

Specific cover for legal liability to passengers injured while in or boarding your minibus.

From $400/year

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Agreed Value Cover

Insure your minibus for a pre-agreed sum — guaranteed payout regardless of market depreciation.

From $1,400/year

Why Commercial Transport Operators Need Specialist Cover

Standard personal vehicle insurance is void the moment you carry passengers in a commercial or community setting. A specialist minibus policy ensures you are legally compliant, properly covered, and that your passengers are protected in the event of an incident.

Get a Quote for Commercial Transport

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Our panel of licensed advisers can match you with the right cover for your operation.