ProRisk’s Commercial Motor Fleet Insurance is specifically designed for businesses that have fleets consisting of 15 plus vehicles and is proudly backed by HDI Global Specialty SE – Australia (HDI).

Whether your commercial motor fleet consists of sedan fleets, light goods carrying fleets or mixed fleets, we can help. Mixed fleets can include sedans, vans, utes, 4WDs, goods carrying vehicles and some plants across a range of industries and businesses, from SME to large corporates, including:

  • Manufacturing
  • Traffic management
  • Transport - subject to referral (ultra or short haul)
  • Construction - light vehicles only
  • Electrical and plumbing trades
  • Retail trade
  • Wholesale trade
  • Health care


ProRisk’s commercial motor fleet policy features and benefits include:

  • Towing
  • Emergency repairs up to $2500
  • Keys and locks ($5000)
  • Choice of repairer
  • $30,000,000 legal liability
  • Newly acquired vehicle (60 days)
  • Novated leases
  • Driver’s personal property ($2000)
  • No fault excess
  • Finance payout (25%)
  • New vehicle replacement (2 years)
  • Choice of repairer
  • Excess free windscreen claims (vehicles under 3.5 tonne)
  • Upon acquisition and/or deletion basis or Annual adjustment basis (50% rate adjustment at the end of the policy period)
  • Optional hire car following accident cover available (upon request)


The General Insurance Code of Practice

Since 1 January 2022, our insurer HDI Global Specialty SE - Australia (ABN 58 129 395 544, AFSL 458776) is a signatory to the General Insurance Code of Practice (Code). The Code outlines the standards that insurers need to deliver. It lets you know what you should expect from your insurance company.

Introduced by the Insurance Council of Australia (ICA), the Code sets out the standards that general insurers must meet when providing services to their customers. It also sets out timeframes for general insurers to respond to claims, complaints and requests for information from customers.

The objectives of the Code are:

  • to commit us to high standards of service;
  • to promote better, more informed relations between us and you;
  • to maintain and promote trust and confidence in the General Insurance industry;
  • to provide fair and effective mechanisms for the resolution of complaints and disputes you make about us; and
  • to promote continuous improvement of the General Insurance industry through education and training.

The Code Governance Committee is an independent body that monitors and enforces insurers’ compliance with the Code as well as identifying areas for improvement of insurance practices and helping the general insurance industry understand and comply with the Code.

Anyone can report alleged breaches of the Code to the CGC at any time.

Further information about the Code or the Code Governance Committee and your rights under it is available at


Get in touch today with our motor fleet specialists to discuss your Commercial Motor Fleet requirements