Keeping your fleet of business vehicles on the road is crucial to the ongoing success of your business.

Our Fleet and Small Business Car Insurance provides comprehensive cover in case of accidents and helps you get your vehicles back on the road sooner – so you can keep your business up and running.

With Fleet and Small Business insurance you also become an RACQ business member giving you access to a wide range of benefits including discounted vehicle inspections and discounts on car batteries.

Need a quote? To get the right cover for your fleet or business vehicles, call us 24/7.

Contact us Read the PDS 

Insurance discounts

Like to reduce the price of your insurance?

Check which insurance discounts you're eligible for.

Business member benefits included with this product

What you get

Cover for damage to your vehicle  We cover loss or damage to your vehicle following a collision, weather events (flood, hail, storms, cyclones), fire, malicious act, theft or attempted theft.
Cover for damage to other people’s property We pay up to $20 million where you are legally liable for damage to other people’s property caused by a fleet car.
Choice of repairer and lifetime repair guarantee Enjoy the freedom to choose one of our selected repairers  or a repairer of your choice. We guarantee the quality of authorised repairs completed by RACQ Insurance Selected Repairers for as long as you own the car.
Cover for personal property We pay up to $500 for an employee’s personal property that is inside a fleet vehicle, and is damaged during or after an event.
Emergency assistance Available with some small business policies, Aussie Assist gives you and your employees access to  emergency assistance when you're 100km or more from your business.
Change of vehicle If you sell your vehicle and replace it with a similar type, we automatically cover it for 14 days.
Emergency repairs We pay up to $500 for emergency repairs to make your fleet vehicle roadworthy until you can claim. 
Replacement vehicle after total loss If your fleet vehicle is no more than two years old and we have declared it a total loss, we will replace it with a new vehicle.
Theft of vehicle keys We pay up to $750 to replace and recode vehicle keys and locks.
Towing and storage costs We pay the reasonable costs of towing and storage of your fleet vehicle after an accident or theft. 

The above features are a summary only and limits apply. Please refer to our Product Disclosure Statements for full details, exclusions, and terms and conditions.

Save on your business car insurance

Put the following discounts to use and reduce the cost of insurance for your business. 

Multi-policy discount If you have three or more insurance policies with RACQ, you may get a discount.
Combined insurance discount You can combine two or more comprehensive insurance policies with us – and get a discount on your annual premium.
No claim discount Be rewarded when you don’t make claims. You can save up to 60% with our No Claim Discount. 
Driver excellence bonus Be rewarded for safe driving. If you’ve held a Rating 1 for five years or more, get up to 10% discount. 

Contact us Read the PDS 

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Insurance products (excluding Travel Insurance and the Life and Income Protection Insurance suite of products) are issued by RACQ Insurance Limited ABN 50 009 704 152 (RACQ). Conditions, limits and exclusions apply. Please read the PDS before making a purchase decision on this product. Any general advice relating to this product at racq.com is provided by RACQ.