Commercial Vehicles

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All covers purchased online are from the Business Insurance Pack

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Important Notice:

Our policy name and some section names are changing as below effective from 05 April 2021:

The above name changes will not impact the extent of covers provided under your policy, and will not impact the standalone Commercial Motor Insurance.

Commercial Vehicle

Does your business run commercial vehicles? TIO Commercial Vehicle insurance covers accidental loss or damage to third party property by you (or your employees) if you (or they) are in a vehicle accident while on the job. Commercial vehicle covers up to 20 vehicles (when purchased online limited to 2 vehicles only) including: sedans, wagons, utes, 4WDs, goods-carrying vehicles up to 5 tonnes, trailers, agricultural, mobile and earth-moving equipment.

Business Vehicles

What else is covered by the Comprehensive Commercial Vehicle Section?

TIO Comprehensive Commercial Vehicle insurance covers loss of (including theft) or damage to your vehicle. It also features a number of benefits including:

  • Unspecified accessories cover, up to $5,000
  • Removal of basic excess for windscreen claims for sedans, wagons, utes 4WDs and goods-carrying vehicles up to 5 tonnes
  • Personal property – up to $1,000
  • Liability cover up to $30,000,000 for any one accident or series of related accidents.

Refer to the Commercial Vehicle Section of the PDS for further details. Cover is subject to the terms, conditions and exclusions listed in the PDS.

The above descriptions of cover apply to the Business Insurance Pack only. The Office Pack and Trades and Services Pack may contain different covers, limits and exclusions, and are not available for purchase online.

Any advice here does not take into account your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision please consider the relevant Product Disclosure Statement (PDS) / Policy Wording and Supplementary PDS (where applicable) which are available on this website.

We understand the unique conditions faced in the Territory

TIO is based in Darwin and our strength lies in our solid understanding of the conditions faced within the Territory year after year. Whether that be flood, cyclone or whatever else Mother Nature can throw our way.

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Trusted since 1979
TIO has been delivering a wide range of personal and business insurance products and services to Territorians for over 40 years.